Personal Loans
To be eligible for a Coles Personal Loan you must be: 18 years or older and a permanent Australian resident; receive a regular income; able to provide documents to verify your identity and income details.
Flexible loan amount
Flybuys members can borrow between $2,000 and $50,000. Non-flybuys members can borrow between $2,000 and $20,000.
Flexible loan term
Choose 3, 4 or 5 years for your initial loan term. It's up to you.
No exit fees
Choose to pay your loan off faster, with no penalty for early repayments.
Rates and fees
Calculator
Calculate your estimated repayments using the Moneysmart calculator
Stay in control of your finances
Easy card access
Spend more conveniently with a debit card attached to your account.
No exit fees
Choose to pay your loan off faster, with no penalty for early repayments.
Keep on track
Use the Coles Mobile Wallet app to view, access and manage your loan.
Frequently Asked Questions
Other
Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.
Coles unsecured credit products are issued by National Australia Bank Limited (ABN 12 004 044 937, AFSL and Australian Credit Licence 230686) (“NAB”) and distributed by Coles Supermarkets Australia Pty Ltd ABN 45 004 189 708. NAB has acquired the business relating to these products from Citigroup Pty Ltd (ABN 88 004 325 080, AFSL and Australian Credit Licence 238098) (“Citi”) and has appointed Citi to assist to administer the products. Coles receives commission for the introduction of credit business to NAB.