Home Personal Banking Business Banking Global Transfers Private Banking Investment Accounts Home Loans Personal Loans Savings & CDs About Us Contact
Open an Account
$
Personal Loans · Privolux Bank

Finance life's
biggest
moments.

Fast, flexible personal loans from $2,000 to $100,000 — for debt consolidation, renovations, vehicles, travel, education, and more. No hidden fees, real rates.

Same-day approval
No early repayment fees
Fixed rate guarantee
6.99%
From p.a. (fixed)
$100k
Max Loan Amount
24hr
Approval Time
7yr
Max Loan Term
From 6.99% p.a. FixedNo Application FeeSame-Day Approval$2k–$100k1–7 Year TermsDebt ConsolidationHome RenovationCar FinanceTravel LoansEducation FinanceWedding LoansNo Early Repayment FeeFrom 6.99% p.a. FixedNo Application FeeSame-Day Approval$2k–$100k1–7 Year TermsDebt ConsolidationHome RenovationCar FinanceTravel LoansEducation FinanceWedding LoansNo Early Repayment Fee
Loan Purposes

Whatever the reason —
we've got the loan.

Click any purpose to explore tailored loan details, features, and typical terms.

Debt Consolidation
Renovation
Vehicle
Travel
Education
Wedding
Medical
Business Start
Debt Consolidation
Simplify your debt.
Lower your rate.
Merge multiple high-interest debts — credit cards, personal loans, buy-now-pay-later — into one single, lower-rate Privolux loan. One repayment. One rate. One plan.
6.99%
From p.a.
$100k
Max Amount
7 yrs
Max Term
Single lower rate
Replace multiple high-rate debts with one fixed rate from 6.99% p.a. — often saving hundreds per month.
One simple repayment
Stop tracking multiple due dates. One monthly repayment, one lender — clarity and control restored.
Free debt review
Our specialists will review your current debts, calculate your savings, and model a consolidation plan at no charge.
No hidden exit fees
We never charge you to pay off your loan early. You're free to repay ahead of schedule without penalty.
Home Renovation
Build the home
you deserve.
Kitchen, bathroom, extension, or full renovation — fund your project without touching your mortgage. Flexible amounts from $5,000 to $100,000 with terms up to 7 years.
7.49%
From p.a.
$100k
Max Amount
7 yrs
Max Term
No mortgage required
Fund your renovation without refinancing or accessing your home equity. Keep your mortgage separate.
Progress drawdowns
Draw funds in stages as your project progresses so you only pay interest on what you've used.
Adds property value
Smart renovations can increase your property value by more than the loan cost — invest wisely.
Builder invoice payments
We can pay builders and contractors directly, streamlining your project cash flow and administration.
Vehicle Finance
Drive away today,
pay your way.
New or used — finance your next car, motorcycle, caravan, or boat with a Privolux personal loan. No balloon payments, no dealer finance markups, full ownership from day one.
7.29%
From p.a.
$80k
Max Amount
5 yrs
Max Term
New & used vehicles
Finance any make, model, or age of vehicle. New, used, private sale, or dealership — all accepted.
Full ownership from day one
Unlike lease products, you own the vehicle outright from settlement. No residuals, no balloon payments.
Beat dealer rates
Dealership finance often carries hidden margins. Our transparent rates are independently benchmarked to be better.
Pre-approval available
Get pre-approved before you shop so you know your budget and negotiate as a cash buyer.
Travel Finance
See the world
on your terms.
Don't let your savings hold back your adventures. Finance flights, accommodation, tours, and experiences with a travel loan — and travel now while you repay over time.
8.49%
From p.a.
$30k
Max Amount
5 yrs
Max Term
Funds in 24 hours
Approved funds transferred same or next business day — so you can book immediately without delay.
Cover all travel costs
Flights, hotels, tours, travel insurance, cruises, hire cars — cover everything in one simple loan.
Flexible repayments
Choose weekly, fortnightly, or monthly repayments that fit your budget — fixed for the entire term.
Smarter than a credit card
Credit cards charge 20%+ for travel. Our fixed rate loans are up to 3× cheaper for larger amounts.
Education Finance
Invest in your
future self.
Tuition fees, course materials, laptop, professional certifications, postgrad studies — finance your education now and repay from the career returns it generates.
7.99%
From p.a.
$50k
Max Amount
7 yrs
Max Term
Any institution, any course
University, TAFE, private college, online certifications, professional development — all accepted.
Repayment holiday option
Study now, earn later. Apply for a 6-12 month repayment holiday during your study period.
Covers all study costs
Tuition fees, textbooks, accommodation, technology, and equipment — all coverable in one loan.
Lower rate than HECS surcharge
For professional courses not covered by government schemes, our rates beat most alternatives.
Wedding Finance
Your perfect day,
perfectly funded.
Venues, catering, photography, honeymoon, dresses, flowers — don't compromise on what matters. Finance your wedding and pay comfortably over time while enjoying the memories.
8.49%
From p.a.
$40k
Max Amount
5 yrs
Max Term
Cover everything
Venue, catering, photographer, flowers, dress, suits, honeymoon — one loan covers all of it.
Fast approval — before the big day
Don't lose your preferred venue to slow finance. Same-day approval means you can secure and pay deposits immediately.
Joint application available
Apply as a couple to combine income — often increasing your borrowing capacity and lowering your rate.
No collateral required
Unsecured personal loan — no asset required as security. Your approval is based on creditworthiness.
Medical Finance
Health first,
pay over time.
Elective surgery, dental work, IVF, cosmetic procedures, specialist consultations — your health shouldn't be limited by your current account balance. Privolux makes healthcare accessible.
7.99%
From p.a.
$50k
Max Amount
5 yrs
Max Term
All procedures covered
Elective surgery, IVF, dental, cosmetic, orthopaedic, vision — any medical or health procedure.
Direct payment to providers
We can pay your specialist, clinic, or hospital directly — removing financial stress from your treatment process.
Same-day funding available
When treatment is urgent, we prioritise your application for same-day assessment and funding.
Confidential assessment
Your medical information is handled with strict confidentiality — used only for loan purposes, never shared.
Business Start-Up
Launch your idea
without limits.
Not yet eligible for a business loan? A Privolux personal loan gives first-time entrepreneurs the capital they need to launch — equipment, inventory, branding, website, office, and more.
8.99%
From p.a.
$50k
Max Amount
5 yrs
Max Term
No business history required
Lenders won't fund a business with no track record. Our personal loans bypass that barrier entirely.
Fund any business cost
Equipment, stock, software, marketing, fit-out, trademarks — whatever your business needs to get off the ground.
Flexible drawdown
Draw your funds in tranches as your business needs them — reducing interest costs during the early stages.
Business advisor referral
Get introduced to Privolux's network of accountants and business advisors — at no cost to you.
Loan Plans

Find your
perfect plan.

Three plans to suit every borrower. All with fixed rates, no application fees, and no early repayment charges.

Essential
$2k–$15k
Small personal loan
Rates from 9.99% p.a.
Borrow $2,000–$15,000
Term: 1–3 years
Fixed rate for full term
No application fee
No early repayment fee
Offset facility
Relationship manager
Most Popular
Classic
$15k–$50k
Standard personal loan
Rates from 7.49% p.a.
Borrow $15,000–$50,000
Term: 1–7 years
Fixed rate for full term
No application fee
No early repayment fee
Flexible repayment schedule
Relationship manager
Premium
$50k–$100k
Large personal loan
Rates from 6.99% p.a.
Borrow $50,000–$100,000
Term: 1–7 years
Fixed rate for full term
No application fee
No early repayment fee
Flexible repayment schedule
Dedicated relationship manager
Loan Calculator

Know your
repayments before you apply.

Adjust sliders to see exactly what you'll pay — monthly, weekly, or fortnightly. All figures update in real time.

Loan Purpose
Loan Amount$25,000
$2,000$100,000
Loan Term3 years
1 year7 years
Credit Score (estimate)Good (700–799)
PoorFairGoodExcellent
Your estimated rate based on selections
6.99% p.a.
Estimated Repayment
$759
per month
Loan Amount$25,000
Interest Rate6.99% p.a.
Loan Term3 years
Total Interest$2,723
Total Repayable$27,723
Monthly Repayment$759
PrincipalInterest
90%10%
* Estimates only. Your actual rate depends on creditworthiness and loan size. Comparison rate 7.12% p.a. Rates subject to change.
Eligibility Checker

Check your
eligibility instantly.

No credit check — this is a soft eligibility estimate only. Your credit score won't be affected.

Fill in your details on the left for an instant soft eligibility assessment. We'll tell you your estimated likelihood of approval and the rate you're likely to receive — with no impact on your credit file.
No credit check — soft assessment only, your score is not affected
Instant result — see your eligibility score in seconds
Personalised rate — we estimate your likely interest rate band
18+ years old and Australian resident required to apply
Minimum income $25,000 p.a. for Essential plan; $40,000+ for Classic and Premium
How It Works

Approved in as little as
a few hours.

01
Apply Online
10-minute digital application. No branch visit, no paperwork — complete from any device.
02
Verify Identity
Upload your ID and income documents securely via the Privolux portal. Takes under 5 minutes.
03
Instant Assessment
Our automated system assesses your application in minutes. Complex cases reviewed by a specialist.
04
Get Approved
Receive your approval notification with full loan terms. Review, sign digitally, and confirm.
Apply in 10 minutes — no branch needed.
Our fully digital application captures everything in a single flow. Tell us about yourself, your income, your loan purpose and amount — and submit. Most people complete it in under 10 minutes.
Personal details and contact information
Employment status and income details
Loan purpose, amount, and preferred term
Living expenses and existing commitments
Consent for credit and identity verification
Secure document upload — 256-bit encrypted.
Upload your supporting documents through your Privolux portal. Everything is encrypted end-to-end. Our team reviews documents within 2 business hours and will contact you if anything is missing.
Photo ID (passport or driver's licence)
Last 2 payslips or 2 years tax returns (self-employed)
Last 3 months bank statements
Any existing loan or credit card statements
Automated assessment — results in minutes.
Privolux's assessment engine runs your application against serviceability, credit, and identity checks in real time. Most applications receive a decision within 15–60 minutes of document upload.
Automated income and expense serviceability check
Credit history and repayment record verification
Identity verification against government records
Fraud and AML screening
Approved — funds transferred same day.
Once approved, you'll receive your loan agreement digitally. Review, sign with e-signature, and return. Funds are typically transferred to your nominated account within hours of signing — sometimes the same day.
Receive digital loan agreement via email
Review all terms, rates, and repayment schedule
Sign electronically — no printing required
Funds transferred to your account same or next day
Why Privolux

The Privolux
advantage.

Rates

Market-leading rates,
independently verified.

Privolux rates are benchmarked monthly against all major lenders. We publish our full rate range — no teaser rates, no bait-and-switch. What you see is what you get, every time.

%
$0
Application Fee

We never charge you to apply. No establishment fees, no application fees. The loan costs what the loan costs.

0
Speed

Same-day decisions.

Our automated assessment system processes most applications within hours. Priority processing available for urgent needs.

Flexibility

Repay on your schedule.

Weekly, fortnightly, or monthly repayments. Change your frequency anytime. Make extra payments without penalty.

Security

Your data, fully protected.

256-bit encryption on all applications. We never sell your data. Full GDPR and local privacy law compliance.

Transparency

No hidden fees — ever.

Annual fee: $0. Early repayment fee: $0. Redraw fee: $0. Late payment fee: $25 (once). We publish all fees upfront and in plain language. Our customers always know exactly what they're signing.

✓
People

Real people, when you need them.

Our loan specialists are available by phone, chat, or email — 7 days a week. No AI chatbots, no offshore call centres. When you call Privolux, a real specialist answers. Premium clients get a dedicated relationship manager from day one.

♦
Client Stories

Real people,
real results.

★★★★★
Debt Consolidation
"I consolidated four credit cards into one Privolux loan. My monthly payments dropped by $640 and I'll be debt-free two years earlier. The application took 12 minutes."
SR
Sarah R.
Melbourne, VIC
$38,000 consolidated
★★★★★
Home Renovation
"We renovated our kitchen and bathroom with a $45,000 Privolux loan. Approved same day, funds the next morning. The whole process was completely painless."
JK
James K.
Sydney, NSW
$45,000 renovation
★★★★★
Vehicle
"Privolux approved my car loan at 7.29% — the dealer wanted 12.9%. I walked in as a cash buyer and negotiated an extra $3,000 off the price. Best financial decision I've made."
ML
Marcus L.
Brisbane, QLD
$32,000 vehicle
★★★★★
Education
"I used a Privolux loan to fund my MBA. The repayment holiday option meant I could study full-time and start repayments once I was earning. Genuinely life-changing finance."
AP
Aisha P.
Perth, WA
$28,000 MBA funding
★★★★★
Wedding
"We applied on a Tuesday and had the funds by Wednesday to secure our venue. The whole experience was smooth, stress-free, and the rate was half of what the wedding finance company offered."
TC
Tanya & Chris
Adelaide, SA
$22,000 wedding
FAQ

Questions
answered.

Everything you need to know before applying for a Privolux personal loan.

What is the minimum and maximum loan amount?
Privolux personal loans range from $2,000 (Essential plan) to $100,000 (Premium plan). The amount you qualify for depends on your income, creditworthiness, and existing financial commitments.
Will applying affect my credit score?
Our eligibility checker uses a soft enquiry — no impact on your credit score. A hard credit enquiry is only conducted when you formally submit a full loan application. We will notify you before any hard enquiry is made.
How quickly will I receive my funds?
Once your loan is approved and your agreement is signed, funds are typically transferred to your nominated bank account the same business day or the next business day. For urgent applications, same-day funding is available.
Can I make extra repayments or pay it off early?
Yes — all Privolux personal loans allow unlimited extra repayments and full early repayment at any time, with absolutely no penalty or break cost. Paying extra reduces your principal faster and saves you interest.
What if I'm self-employed?
Self-employed applicants are welcome. Instead of payslips, you'll need to provide the last two years of tax returns and ATO notices of assessment. We assess your average income over the period rather than your most recent year.
Is the rate fixed or variable?
All Privolux personal loans are fixed rate — your repayment stays exactly the same every payment for the entire term of the loan. No surprises, no rate rise risk. The rate is locked in at the time of approval.
Can I apply jointly with a partner?
Yes, joint applications are available. Applying with a co-borrower (spouse, partner, or family member) combines both incomes, which typically increases your borrowing capacity and may qualify you for a lower interest rate.
Ready to Apply?

Get funded.
Live fully.

Apply in 10 minutes. Approved in hours. Funds in your account the same day. A personal loan from Privolux — built for the way you actually live.