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Whether you’re buying a new or used vehicle, our car loan could get you on the road to owning it outright, with monthly repayments at a highly competitive rate.

Step 1: Use the car loan calculator to work out how much it could cost you

Step 2: If you decide to apply, follow the instructions below and get an instant decision if you’re an existing Bank customer

Features & benefits

  • Instant access to funds
  • Existing Bank current account customers could receive the money instantly once the application has been approved. Non-Bank current account customers could receive the money into a nominated account 3 working days after the signed loan agreement is received.

  • Make overpayments free of charge
  • Make overpayments, or settle in full, at any time without penalty. This may reduce the amount of interest you pay and there won’t be hidden extras or nasty surprises.

  • Borrow from $1,000 to $25,000
  • Spread your repayments over one to five years for loans of $15,000 or less, or up to eight years for loans over $15,000.

3.3% APR* Representative

For loans between $7,000 and $15,000. Now also available to non-Bank current account customers.

*The rate is subject to change and the representative APR may not be the rate you'll receive. We'll offer you a rate based on our assessment of your personal financial circumstances. The maximum APR you could be offered is 21.9%.

The APR rates may vary based on amount borrowed.

Calculate your loan amount

Adjust the amount on the calculator to see how much the monthly repayments could be on your loan.

$
Minimum Maximum
Minimum Maximum
Representative example

Apply for a Personal Loan

Are you eligible?

To be eligible for a Personal Loan you need to:

  • have a bank or building society account with a Direct Debit facility (you must have an Bank current account)
  • have an annual income/pension before tax of $10,000 or more
  • be over 18 and a resident of the US

Not available for customers with a Basic Bank Account.

We do not offer our Personal Loans for a number of purposes including:

  • The purchase of property or land (both US & Overseas) including holiday homes and apartments
  • Purchasing a joint stake in a property or buying out a joint owner
  • Mortgage deposit (regardless of lender or country)
  • Gifting funds to third parties to support the purchase of a property, including mortgage deposit, stamp duty and solicitors fees

In addition, our Personal Loan should not be provided for:

  • Gambling
  • Business purposes
  • Share dealing

Please note that this list is not exhaustive.

Our Personal Loans are subject to status.

JATB customers

Please log on to your account for the quickest and easiest way to apply.

Log on and apply now

New to JATB

Get a Personalised Loan Quote to see the interest rate you may be offered.

Apply now

Apply in internet banking

If you're registered for internet banking, have an Bank current account, you can apply within the online in just a few clicks.

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