Fair Rate Personal Loan

G&C Mutual Bank's Fair Rate Personal Loan is unlike most personal loans from large financial institutions. They generally apply a standard price, but the rate you pay on our Fair Rate Personal Loan is guided by your credit worthiness so you can get rewarded with a better rate based on your credit score.

So, if we determine that you have an excellent credit score and a good borrowing record, you could be eligible for our Diamond Rate which will be 5.99% p.a. with a comparison rate of 6.20% p.a. — our lowest rate!

The G&C Mutual Bank Fair Rate Personal Loan is a variable rate loan that includes a number of competitively priced tiers:


 Tier                 
 Interest Rate
 Comparison Rate¹
 Diamond
 5.99% p.a.
 6.20% p.a.
 Emerald  7.99% p.a.  8.20% p.a.
 Sapphire  8.99% p.a.  9.20% p.a.
 Ruby  10.99% p.a.  11.21% p.a.
 Opal  16.99% p.a.  17.22% p.a.

Interest Rates effective 1 September 2017


Other features include:

  • $0 Monthly Fee
Fair Rate Personal Loan


Apply online today in under 5 minutes, or call us directly on
1300 364 400 8.00am - 6.00pm weekdays.



Apply Online


Eligibility criteria, terms & conditions and fees & charges apply.
1. Comparison rate based on unsecured $30,000 loan over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate