Rating based on 36 reviews

Heritage Bank

  • Personal loans up to $100,000
  • Low-interest starting from 10.99%
  • Repayment up to 10 years

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Heritage Bank homepage
Author Heritage Bank. Screenshot of Heritage Bank website.
[Accessed May 2, 2023]

Heritage Bank - We believe in second chances

The fact that we have helped several clients with financial services is proof enough that we are a financial services provider that puts the needs of customers first as opposed to the needs of the organization.

Nobody should feel they have no place to go to when they are in a financial predicament. We have opened our doors to everyone and have never left any stones unturned for our customers because we know if we don’t help them with a personal loan, nobody will.

Putting the interest of the clients or the business first

As much as we borrow money from a lot of customers daily, we are constantly teaching them how to change their perspective towards money. For example, just because you can qualify for a loan doesn’t really mean you need it. Always ask yourself whether you really need a credit advance or are you taking it because you qualify for it.

Any business or individual should try to have a few personal or business loans as possible. As your credit profile expands, you will realize that there isn’t any necessity for having a few loans you could have avoided. It is always wise to only take up an advance when you don’t have a choice but to get a financial plan.

Apply for a loan online

Clients are required to log onto our website and apply for the personal loan.

This is the quickest and easiest application method because all the questions that are asked during the quick loan application process are straightforward and not too complicated to understand. If you feel that there are certain questions you are battling to comprehend, you can give us a call at 13 14 22 and we will assist you where you feel you are stuck.

Assessment and verification process

After the client has applied, we will have to check the application form submitted to our attention together with the supporting documents. It is important that customers understand that we can’t check the application until we have received the supporting documents.

The documentation is necessary so that we can verify the income and expenses of the customer. Although we are looking into helping the customer, we have to check whether or not he will be able to afford the loan he is applying for.

If we find that he has too much debt or is looking for a blacklisted loan, we will have to reject the loan and make it clear that the customer needs to pay some of his loans first before we approve another loan he is intending on obtaining.

Heritage Bank – Personal loan

  • Loan Type Personal loans
  • Interest Rate 10.9912.99% p/a
  • Loan Amount up to $100,000
  • Repayment 1 year to 10 years

Benefits of Heritage Bank

  • Flexible repayment terms
  • Choose your loan amount
  • Get low interest rates

Personal loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This personal loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Heritage Bank - A trusted credit provider

After we are satisfied with the paperwork, the money will be sent to your bank account for your disposal.

If the loan application is done before the end of business, you will get your money on the same day.

Secured versus unsecured personal loan

Due to the fact that there are different kinds of personal loans, it is safe to say that the options will also be diverse. As such, you need to know that the difference between the two before you take the option of either financial plan.

Secured loan: A secured loan means that the credit advance is protected by a certain kind of asset. The common benefit of opting for a protected advance plan is that clients pay a lower interest rate.

Unsecured loan: On the other hand, an unsecured is the total opposite of a secured loan. This just means that your loan is not protected, and you can be liable to pay a higher interest rate. Furthermore, it usually means that the client doesn’t have an asset to protect his loan against. Short-term loans are mostly unsecured.

Depending on the kind of benefits you look for from a loan, both options can be preferable.

Who can take out a loan?

  • The client must be over the age of 18 years
  • Be a permanent occupant in Australia
  • Have a constant source of income

When will you know of the outcome of your loan?

We must review your personal or emergency loan application and we will let you know the outcome of our advance the following business day.

What if you can’t pay your personal loan on time?

If you can’t pay your personal loan on time, you need to notify us as soon as possible and not wait until the day of your scheduled payment. You will be liable for dishonesty fees and this may cause a dent on your credit profile.

man holding thumbs up

Heritage Bank is a trusted & reliable provider of personal loans

In our review, Heritage Bank adheres to the compliance criteria in accordance with the National Consumer Credit Protection Act 2009, where the granting the loan will not cause financial distress to the consumer.

✅ Heritage Bank is a registered credit provider in Australia: ACL 240984

Customer Reviews & Testimonials

Time is something I do not have to waste which is why I was incredibly satisfied that Heritage Bank didn't dally around when it came to processing my loan application or with paying out the money...

Quinn M
— Hobart —

Heritage Bank not only makes it easy to apply for a loan but they also have fair lending criteria. Not all lenders are keen on giving a loan to an 18-year old who finished school 4 months ago. Th...

Marshall W
— Gold Coast —

Heritage Bank Contact

Contact Number


  • not available


Physical Address

Opening Hours

  • Monday 09:00 – 16:30
  • Tuesday 09:00 – 16:30
  • Wednesday 09:00 – 16:30
  • Thursday 09:00 – 16:30
  • Friday 09:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed