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People's Choice and Heritage · Personal loans

Discounted Personal Loan

People's Choice and Heritage's Discounted Personal Loan is a personal loan. The figures are the ones People's Choice and Heritage publishes under the Consumer Data Right today. The advertised rate has not moved since we began tracking it.

Advertised rate
6.49%
headline tier
Comparison rate
6.84%
as published
Last moved
Never
since tracking began
6.49%5 October 20264 November 2026

Advertised rate, last 30 days. Unchanged over the last 30 days.

Every current rate (1)

TierRateComparison
Fixed 5 years, P&I, LVR up to 2%, $20,000 to $120,000Discounted Personal Loan (Car Loan) Balance6.49%6.84%

Rate moves, last 30 days

No rate moved on this product in the last 30 days.

Published fees

FeeAmount
Personal Loan Application Feeupfront$250
Preparation of Substitute Securitywhen it happens$75
Arrears Administration Fee 1when it happens: Payable if you fail to make repayments due under your credit contract and you do not pay an amount sufficient to clear all repayment arrears within 7 days of us$25
Arrears Administration Fee 2when it happens: Payable if you fail to make repayments due under your credit contract and your account remains in arrears for a period of 20 days or more.$25
Notice of Enforcement feewhen it happens: Charged whenever an eforcement notice is issued in relation to a credit contract that is not secured by a mortgage over real property.$25

Other People's Choice and Heritage personal loans

Green Car Loan 5.99%Car Loan 6.49%Staff Personal Loan 8.27%Standard Personal Loan Fixed 8.99%Unsecured Personal Loan 8.99%

Get an email the morning People's Choice and Heritage moves this rate.

Every People's Choice and Heritage rate · every personal loan rate compared · other lenders · this product in the explorer.