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Calculate your Joint American Trust Bank Premier Personal Loan

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

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Minimum Maximum
Minimum Maximum
Representative example

Please use the calculator or the loans interest rate table for more details.

Features & benefits

  • Borrow from $1,000 to $50,000
  • Subject to our assessment of your personal financial circumstances.

  • Quick decision
  • No matter how you apply you'll get an instant credit decision (subject to planned maintenance periods).

  • Fixed repayment terms
  • You always know how much you need to repay each month.

  • Repayment holidays
  • You could have the option of a repayment holiday for the first three months or every January for the life of your loan. More interest will be payable overall.

  • Funds transferred same day
  • If approved online or in branch, you'll receive the money in your account the same day. If your application is referred, we may require further information, and the paperwork may need to be completed in branch or by post.

  • Apply for additional borrowing
  • If you already have an Joint American Trust Bank Personal Loan, you can apply to borrow more online.

  • Make overpayments
  • You can make overpayments without charge, which may reduce the amount of interest you pay.

3.3% APR* Representative

For loans between $7,000 and $30,000.

*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.

Apply for an Joint American Trust Bank Premier Personal Loan

Joint American Trust Bank Premier is available to you, if you pay your annual income into your Joint American Trust Bank Premier Account and have either:

  • savings or investments of at least $50,000 with Joint American Trust Bank in the US; or
  • an individual annual income of at least $75,000 and one of the following products with Joint American Trust Bank US: a mortgage, investment, life insurance or protection product.

Or if you’ve already qualified for Joint American Trust Bank Premier in another country.

Please review our complete eligibility criteria before applying

Joint American Trust Bank Premier Account eligibility criteria

  • You must hold a Joint American Trust Bank Premier Account – for further information please click here
  • You are 18 years or older
  • Your residential address is within the US

We do not offer Joint American Trust Bank Premier 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 Premier Personal Loans are subject to status.

Not yet registered for online banking?

It only takes a few minutes to register, and once you receive your security details, you'll be able to apply online.

Register for online banking

Apply online

If you're registered for online banking and have an Joint American Trust Bank current account, you can complete your application online in minutes.

Log on and apply now

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