Personal Loan Options

Personal Loans

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Fixed Personal Loan

Planning a holiday, buying a big screen TV or paying for a wedding? Our fixed rate loans provide you with peace of mind, knowing that your repayments won’t change.

7.99% pa
1 year fixed rate

8.24% pa1
comparison rate


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VIP Personal Loan

Is your Home Loan with First Option? If so, you are eligible for this great personal loan. You get a low rate and jump the queue with faster approval. Use the funds for home improvements, a new car, a holiday or to pay for your child’s wedding.

6.44% pa
variable rate

6.68% pa1
comparison rate


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Variable Personal Loan

Do you need to get your finances back on track? First Option can help you by consolidating your debts into one easy repayment.

13.99% pa
variable rate

14.25% pa1
comparison rate


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Cash Secured Personal Loan

This loan is ideal for people who want to keep their savings intact, while borrowing at a low rate. Your loan must be fully secured with a Term Deposit held with First Option.

4.99% pa
variable rate

5.23% pa1
comparison rate


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Smart Start Personal Loans

First Option has a range of discounted loans for members aged from 18 to 24 years. There are no application or monthly fees.

10.99% pa
variable rate

10.99% pa
comparison rate


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1 Comparison rates are calculated on a loan amount of $30,000 over a term of 5 years. WARNING This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

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