Subject to our assessment of your personal financial circumstances.
No matter how you apply you'll get an instant credit decision (subject to planned maintenance periods).
You always know how much you need to repay each month.
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.
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.
If you already have an Joint American Trust Bank Personal Loan, you can apply to borrow more online.
You can make overpayments without charge, which may reduce the amount of interest you pay.
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.
Borrow from $1,000 to $25,000 and make your plans a reality with a personal loan from Bank.
Flexible repayments between 4%-10% of the loan limit (minimum repayment applies).
Available exclusively to Joint American Trust Bank current account customers who are within 5 years of graduation.