Latitude Financial Services




Latitude Financial Services, also known as Latitude Financial is one of the leading financial services providers in Australia. Headquartered in Melbourne, Victoria, the company also conducts business operations in New Zealand under the registered name Gem Finance. The bank specialises in providing consumer finance services like personal loans, credit cards, personal insurance, car loans, etc.

  • Bank Type

    Private Bank

  • Founded


  • Headquarters


  • Industry

    Financial services, Insurance

  • Formerly/Predecessor

    Australian Guarantee Corporation (F)

  • Subsidiaries


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Pros & Cons-Latitude Financial Services


  • Strict Age Restrictions.
  • Customer Support.
  • High Property Value for First Home Buyers.


  • Signup Fees.
  • Home Loan for Self-Employed.
  • Strict lending policies.

About Latitude Financial Services

Latitude Financial Services, also known as Latitude Financial or Latitude, is a leading Australian Financial Services headquartered in Melbourne, Victoria. The company also conducts business operations in New Zealand under the name Gem Finance. Latitude has established a name for itself in the market by providing high-quality consumer finance services like interest-free retail finance, unsecured personal loans, personal insurance, credit cards, and car loans. Currently, the company boasts of 6% market share in the personal lending industry, making it the biggest non-banking consumer credit lender in the country.

Features of Latitude Financial Services

Given below are some of the features and benefits of Latitude Financial Services:

  • Get an indicative quote online within 2 minutes, make a loan application in under 7 minutes
  • Quick disbursal time of 24 hours
  • You can choose between a fixed and variable interest rate loan solution
  • Easy weekly, fortnightly, and monthly repayment plans are also available
  • Nominal interest rates
  • Very low prepayment fees
  • You can check interest rates online quickly without impacting the credit score
  • You can accept your loan online digitally

Services Offered by Latitude Financial Services

Latitude Financial Services has established a stellar reputation in the Australian consumer credit market owing to its vast array of services. The company mainly operates in the personal finance market and offers unsecured personal loans, insurance, credit cards, car loans, and interest-free retail financing options.

Types of Loans Offered by Latitude Financial Services

Given below are the different kinds of loan products offered by Latitude Financial Services:

Personal Loans

Latitude offers personal loan products that are tailor-made to achieve any kind of end-use purpose. This loan is available in both variable and fixed interest rate structures. The interest rate for a variable-interest-rate personal loan starts at 8.49% p.a., and the interest rate for a fixed-rate loan starts at 11.49% p.a. The loan amount you can obtain starts at $5,000, and you can choose to make weekly, fortnightly or monthly repayments. You can easily repay this loan with tenures ranging from 2 to 7 years. The upfront fee for this loan ranges from 0% to 5% of the loan amount.

Debt Consolidation Loans

A debt consolidation loan from Latitude allows you to destress your life by lowering your debt burden. You can obtain this loan to settle debts with various credit cards and loan offers from other lenders. You can check your interest rates before you apply, and the loan will be sanctioned quickly owing to the easy and hassle-free application process. Once the loan is approved, Latitude will organise the debt consolidation and pay the nominated credit lenders directly. All you will be required to do is repay the loan, one easy-to-track instalment at a time. Now that is sure to make your life easier. The interest rate for a variable rate loan ranges from 8.49% p.a. to 28.99% p.a. The interest rate for a fixed-rate loan ranges from 11.49% p.a. to 29.99% p.a.

Home Renovation Loan

A home renovation loan from Latitude can help you transform your house into a dream home. Latitude offers home renovation loans tailor-made to fit your budget, needs, and lifestyle. The fast and easy application process and quick loan disbursal have made this loan the ideal choice for any borrower. You can get loan amounts starting at $5,000 and easily repay the amount in flexible tenure ranging from 2 years to 7 years. The upfront fee for this loan ranges from 0% to 5% on the basis of the applicant’s credit rating and sanctioned loan amount.

Medical Loan

Fund your treatment and procedures with a medical loan from Latitude so that you can look after yourself better. The wide range of health services provided by Latitude will aid you in getting back to your best without having to worry about the cost. You can use this loan for a number of healthcare-related services like Audiology services, laser hair treatment, laser eye surgery, ENT surgery, cosmetic surgery, sleep apnoea treatment, etc.

Car Loan

You can now finance your next vehicle purchase with a car loan from Latitude for a new or used car, caravan, or motorbike. The applicant should be employed with a gross annual salary of $25,000. The applicant should be able to portray a decent credit history for the previous five years. This loan comes with a flexible repayment tenure ranging from 2 to 7 years.

Latitude Financial Services Timings

The table given below shows the operational hours for Latitude Financial Services:

Monday - Friday 8:00 am to 9:00 pm
Saturday 8:00 am to 8:00 pm
Sunday 8:30 am to 8:00 pm
All times are in Australian Eastern Standard Time (AEST)

Latitude Financial Services Contact Details

The table given below details the contact information for Latitude Financial Services:

Customer Care Number 1300 363 269
Fax 1300 369 905
Postal Address Latitude Financial Services Customer Solutions, GPO Box 940, Melbourne VIC, 3001
Phone Number +61 287478178
Personal Loan Hotline 1300 973 422

Frequently Asked Questions

Who owns Latitude Financial Services?

Latitude Financial Services is a subsidiary of Latitude Financial Group Limited, headed by CEO Ahmed Fahour.

How does Latitude Financial Services work?

With Latitude Financial Services, you can easily make a loan application using your mobile phone or computer. You’ll just need to submit a few documents, like your payslips and ID paperwork. Once you have submitted all the documents, a representative will get in touch with you within one business day.

Is Wisr a Latitude Financial Services lender?

No, Wisr is not a Latitude Financial Services lender.

Why use us?

The customised financial services from UrbanMoney Oceania caters to the varying requirements of the applicant on their fund procurement journey.

Low interest rates

The intricate online model ensures the best interest rates are offered to the customers. The services aim to diminish the overhead costs.

Urban Money Oceania Exclusive Deals

The customers can avail of various exclusive offers available to the customers by UrbanMoney Oceania designed to cater to their budgetary needs.

Australian based support team

Our support team offers tailor-made services to customers intending to conclude loan transactions without any hassle. Available to customers at their convenience.


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