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Personal and Investment Loans

Dream Big!

The sky's
the limit

Loans to help you achieve your dreams

Whether you’re wanting to borrow for a big overseas trip, a new extension on the beach house or a family wedding, Big Sky can assist with a personal loan, car loan or overdraft.

Personal Loan

Fully Secured

Partly Secured

Unsecured

 

Other Loans

Car Loan

Overdraft


Lending criteria and fees and charges apply for all loans and credit cards. Please refer to Terms of Use before applying for any product.

Big Sky Personal Loans

Whatever the reason

  • Competitive rates
  • No application or monthly fees
  • No extra repayment fees

Full Product Details - Fully secured
Full Product Details - Partially secured
Full Product Details - Unsecured

Compare all our Loan Products to find the best one for you

Apply
Big Sky Car Loans

Drive away

  • Variable rates
  • Pre-approval within 24-48 hours
  • Comprehensive motor vehicle insurance with choice of coverage level. 

Full Product Details

Compare all our Loan Products to find the best one for you

Apply
Overdraft

Need a little extra?

  • Lower rate than most credit cards
  • Apply for a limit between $500 - $15,000
  • Flexible repayment options

Full Product Details 

Compare all our Loan Products to find the best one for you

Apply
Need assistance? Contact Big Sky on 1300 654 321

We can help

Having trouble finding what you need or require some help to find the most suitable product for you? Please contact us for any queries or assistance.

Get in touch

Important information 

  • Terms of Use

    Terms of Use

    We recommend you read the Terms of Use before taking up this product.
  • Fee and Interest Rate Schedule

    Fee and Interest Rate Schedule

    For information on applicable fees and charges, please click here to download our Fee schedule.

    For the latest interest rates please click here.

  • Loan Redraw

    Redraw

    A redraw facility allows you to access additional loan repayments made over and above your scheduled repayments. 

    At Big Sky we know and understand you may need access to these additional repayments; customers can therefore redraw these additional repayments (minimum $500) at anytime. Some conditions may apply so it is important to check your particular loan product.

    We encourage you to make additional regular or lump sum repayments whenever possible as it could slash years off your loan.

    Note: fees may apply.


  • Loan Offset Facility

    Offset facility

    An offset account links your home loan and your savings. The balance in your savings is offset against your loan balance which can result in interest being calculated on a lower loan balance.

    An offset account can reduce both the term of your home loan and the amount of interest you pay. Putting your savings into an offset account also offers much greater flexibility with the advantage that you can access your money in the event you need it.

  • Comparison Rate

    What is a Comparison Rate?

    A Comparison Rate is an all in one interest rate designed to help people identify the 'true' cost of the loan and is calculated by taking into consideration: the annual interest rate, any discount or honeymoon rate, any discount or upfront fees, and any known ongoing (monthly) fees. 

    It is a requirement by law that all financial institutions advertise comparison rates when promoting their lending products, to allow people to make a more objective comparison with the lending products offered by other financial institutions. An example of the comparison rate methodology for a Big Sky home loan follows. 

    Comparison Rate: 
    Loan amount 
    Loan term 
    Annual interest rate 
    1 year honeymoon rate               
    Loan application fee 
    Monthly fee 
    3rd party legal costs 
    Comparison rate 
    $150,000 
    25 years 
    7.49% p.a. 
    6.49% p.a. 
    $0 
    $0 
    $600 
    7.52% p.a 

    The comparison rate is based on fortnightly repayment calculations. It does not include government fees as they are standard regardless of the lender. 
     
    Whilst a comparison rate may assist you in making more objective comparisons when evaluating competing loan products, it is important to recognise this limitation of comparison rates. 
    Many complimentary loan features that Big Sky offer including the ability to make additional and lump sum repayments without penalty, 100% mortgage offset facility, and free redraw of advance repayments are not taken into account in the comparison rate calculation. For this reason, when comparing lending products it is important to consider additional features which differentiate loan products as well as comparison rates. Comparison rates are calculated for all loans with a fixed term, including home,  investment, car and personal loans. Overdrafts and credit cards are classified as continuous lines of credit and therefore a comparison rate cannot be calculated.

    You can find detail about all of Big Sky’s comparison rates by viewing our interest rates and comparison rate schedules.