OneBank

Loans

Borrow with clarity.

Fixed rates, a clear monthly instalment and no hidden fees. Apply in the app and get a decision fast.

Loan calculator

Monthly

$444.01

Total repayable

$5,328.12

Representative example at 11.9% p.a. fixed (Personal Loan). Subject to approval.

Fixed rates

Your rate never changes for the life of the loan.

Know your instalment

See your exact monthly payment and total cost before you apply.

Fast decisions

Our team reviews applications quickly, and funds arrive instantly once approved.

Automatic repayments

Instalments are collected on the due date — or pay early any time, free.

No early repayment fees

Pay off your loan early and save on interest.

Responsible lending

We only lend what we believe you can comfortably repay.

Questions, answered

Who can apply?+

Customers who have completed identity verification (level 2).

What happens if I miss a payment?+

We will try to collect again and add a small late fee (2% of the instalment). Contact support early if you are struggling — we are here to help.

Banking that feels like a private client service.

Open your One Bank account in under five minutes. No paperwork, no monthly fees.