Auswide Bank Personal Loans



Auswide Bank Personal Loans

Auswide Bank Ltd. (formerly Wide Bay Australia) assists Australians in acquiring homes, building wealth, and gaining access to banking and financial services that improve their quality of life and enable them to safeguard their assets and loved ones from loss of income or suffering. The bank is an authorised deposit-taking institution prudentially monitored by the Australian Prudential Regulation Authority. It holds an Australian Credit Licence and an Australian Financial Services Licence from ASIC.

Auswide Bank Personal Loans Rates

LendersRate of InterestComparison RateRatings
Auswide Bank undefined Interest Rate

Auswide Bank




Need Home Loan Assistance?


Pros & Cons-Auswide Bank


  • Strict lending policies.
  • High Property Value for First Home Buyers.
  • Signup Fees.
  • Customer Support.


  • Strict Age Restrictions.
  • Home Loan for Self-Employed.

About Auswide Bank Personal Loan

Auswide Bank, formerly Wide Bay Australia, was established as an alternative lender to Australia's major banks. Today, the challenger brand provides a wide selection of banking products, including personal loans, credit cards, term deposits, superannuation, house loans, and term deposits. One can choose between a secured and an unsecured loan when it comes to personal loans from Auswide Bank for a variety of borrowing needs, including but not limited to vehicles, motorcycles, boats, international travel, and weddings. The lender also won the Best Car Loan and Best Used Car Loan 2023 Mozo Experts Choice Awards.

Pros and Cons:


Auswide Bank offers specialised financial services like personal loans and car loans. They offer straightforward online and mobile financial services and are strongly committed to client satisfaction and financial assistance.


The customer base of Auswide Bank is the Australian civilians who need loans to fulfil their needs to lead a better life. Additionally, they could have fewer branches than bigger banks. Additionally, they might not offer as many banking options or cutting-edge technologies as larger competitors.

What are the Features & Benefits of an Auswide Bank Personal Loan?

There are many features and benefits of an Auswide Bank personal loan; some of the major ones are listed below:

  • The maximum amount of car loans and personal loans that one can get is $75,000.00 and $50,000.00.
  • Fixed Interest Rates
  • Monthly Repayments (1-5 years)
  • Penalty-free pre-payments.

Types of Personal Loans by Auswide Bank

 Auswide Bank, Australia, offers people two kinds of loans:

Personal Loans

Any Purpose Loan

An Auswide Bank unsecured personal loan will help you on your way, whether you're getting married, taking a vacation, or getting ready to hit the road in a new automobile or camper trailer.

A personal loan can be approved fast, and the funds can be sent directly into your account once you know how much you need to borrow. 

Home Renovation Loan

Do you need to update your kitchen? Are your walls in need of painting, or is your flooring in need of renovation? Auswide Bank’s personal loan is excellent for minor and mid-sized renovation projects if you're thinking about doing so. Once you know how much you need to borrow, you can apply for an unsecured personal loan fast and have the money sent into your account. 

Car Loan

Buying a Car

If it's time to upgrade, Auswide Bank can help you get on the road with a new or used car. Once you know how much you need to borrow, a personal loan can be approved swiftly, and the money paid either straight into your account (for an unsecured loan) or to the auto dealer (for a secured loan).

How to apply for an Auswide Bank personal loan? 

Customers can apply for an Auswide Bank personal loan online or by visiting one of the bank's branches. The online application process is simple and can be completed in a few minutes. To apply online, customers need to follow the following steps:

Step 1: Visit the Auswide Bank website and click the 'Personal Loans' tab.

Step 2: Complete the online application form and click the 'Apply now' button.

Step 3: Provide personal and financial details, including income, employment, and expenses.

Step 4: Select the loan amount and term that suits your needs.

Step 5: Provide any additional information or documentation requested by the bank.

Step 6: Review and submit the application.

Once the application is submitted, the bank will review it and make a decision on the loan. The funds will be deposited into the customer's bank account within a few business days if approved.

Customers can also apply for a personal loan by visiting one of the bank's branches. To apply in person, customers need to bring the following documents:

  • Proof of identity, such as a passport or driver's licence.
  • Proof of income, such as payslips or bank statements.
  • Proof of residence, such as a utility bill or rental agreement.

What are the Documents required for Auswide Bank Personal Loan?

To apply for Auswide Bank personal loan, customers need to provide the following documents:

  • Identity Proof: Customers need to provide a valid form of identification, such as a passport or driver's licence, to verify their identity.
  • Income Proof: Customers need to provide proof of their income, such as payslips or bank statements, to demonstrate their ability to repay the loan.
  • Residence Proof: To verify their address, customers need to provide proof of their residential address, such as a utility bill or rental agreement.
  • Other documents: Customers may be required to provide additional documents, such as tax returns or credit reports, depending on the loan amount and their credit history.

Customer Service Auswide Bank personal loan

Auswide Bank, Australia, is widely known for its friendly and responsive customer service. The customers have reported high levels of satisfaction with their banking experience. The bank can be contacted in multiple ways listed below.

Helpline Number

Contact Number: 1300 138 831 (Australia)

+61 7 4150 4000 (Overseas)

Availability: Monday to Friday - 8:00 A.M. to 6:00 P.M.(AEST)

Online Chat

Open the online chat in the bank’s app or website to inquire about anything and get a response in no time. 

Availability: Monday to Friday - 8:00 A.M. to 6:00 P.M.(AEST)

Auswide Bank Personal Loan Calculator

There are several uses for personal loan calculators. Calculators assist people in determining their borrowing capacity as well as EMI costs. On their website, Auswide Bank, Australia offers two free loan calculators, Budget Planner and Repayment Calculator.

An online calculator is easy and simple to use. Follow these simple steps to get estimates from an online calculator.

  • Choose the desired online calculator under the Home Loan Calculators section.
  • Enter the required values
  • Get immediate estimates in figurative and graphical representations

Frequently Asked Questions

What is the interest rate of a personal loan in Auswide Bank?

The interest rate of a personal loan in Auswide Bank ranges from 11.40% to 11.99%.

What is the minimum and maximum loan amount for an Auswide Bank personal loan?

One can get a personal loan from the Auswide Bank with a minimum loan amount of $3,000 and a maximum loan amount of $50,000.

What is the loan term for an Auswide Bank personal loan?

The loan term for an Auswide Bank personal loan ranges from 1 to 5 years.

How can I calculate my Auswide Bank personal loan repayments using the loan calculator?

One can easily calculate their Auswide Bank personal loan repayments using the repayment calculator on their website.

How does Auswide Bank customer service support customers with their personal loans?

When it comes to assisting consumers with personal loans, Auswide Bank offers first-rate customer service. A devoted customer service team at the bank is available to address any queries or worries clients may have regarding their loans. The bank’s customer service department can be reached via phone, email, or by stopping by one of the bank’s locations.

What happens if I miss a payment on my Auswide Bank personal loan?

One might get charged a penalty fee if a repayment is missed on the Auswide Bank, Australia home loan.

Can I get an Auswide Bank personal loan if I have bad credit or no credit history?

It may be more difficult for a customer to get a personal loan if they have terrible credit or no credit history. Customers are urged to apply regardless of their credit history because each application is considered individually. Customers could occasionally be asked to supply additional security or evidence to back up their application.


The website provides general information about various loan products, insurance products, credit scores & links to other websites or resources over which does not have control as such information & links are received from the Banks, NBFCs, Insurance companies & credit rating agencies. Users of this website acknowledge that is providing this information & links only as a convenience, and further agree that is not responsible for the veracity of such information. Please note that you before you decide whether or not to acquire a particular financial product you should assess whether it is appropriate for you in the light of your own personal circumstances, having regard to your own objectives, financial situation and needs. Confirm all product information directly with the provider of resepctive financial product before making a purchase decision. If you decide to acquire a financial product, you will deal directly with the provider and not with Urban Money Oceania and that neither nor its directors, employees, partners, and associated staff are not accountable for any loss, harm, or damage due to usage of information from this website. And further that users use of links to such external websites are subject to the terms of use and privacy policies located on those sites.