Latitude Finance Personal Loan – review 2026
Pros
- ASX-listed with robust regulatory oversight
- Loan amounts up to AUD 70,000 among the highest available
- Terms up to 84 months
- Fixed interest rate provides repayment certainty
- Widely available with established customer service infrastructure
Cons
- Monthly fee of AUD 10 adds to total cost
- Headline rates from 9.49% p.a. higher than specialist online lenders
- Establishment fee of AUD 250
- Data breach history may concern some applicants
- Comparison rate significantly higher than advertised rate for shorter terms
Latitude Finance Personal Loan Review
Latitude Financial Services is one of Australia's largest non-bank consumer lenders, listed on the ASX since 2021. Personal loans are available from AUD 3,000 to AUD 70,000 with fixed interest rates and terms from 24 to 84 months.
The lender serves both existing Latitude cardholders and new customers. All loans are assessed under ASIC's responsible lending guidelines. Rates range from 9.49% p.a. to 29.99% p.a. depending on applicant credit profile.
Fees and Charges
Establishment fee: AUD 250. Monthly fee: AUD 10. No early repayment penalty on fixed-rate personal loans.
Requirements
- Australian citizen or permanent resident
- Minimum age 18 years
- Minimum income AUD 25,000 p.a.
- 100 points of ID required
- Must hold an active Australian bank account
Information in this review is based on publicly available sources and is for informational purposes only. Finatino.com is not a financial product broker. Before signing any contract, we recommend reading the provider's terms and conditions.