Long term Personal Loans

Long term personal loans calculator
$3,000
$500$10,000
Repayments
Credit History
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DISCLAIMER: This calculator provides indicative interest rate and repayment estimates across Credit24’s lending products for general guidance only. It does not constitute an offer of credit. Actual loan terms, rates, and fees may vary based on your circumstances, our credit assessment, and responsible lending obligations. The APR is illustrative and all figures are subject to change.

Credit24’s long term loans offer flexible repayment options of up to 36 months, depending on the product. You can apply to borrow from $500 to $10,000, with monthly instalments designed to suit your financial situation—even if your credit history isn’t perfect.

Every application is assessed individually, and our simple online process means you can apply anytime. If approved, funds can be transferred quickly—often within minutes to PayID-enabled bank accounts.

Credit24 benefits for your long term loan

Long term loans up to $10,000

Borrow the amount you need based on your eligibility.

Fast & easy application

Apply online for your caravan loan in minutes and get a quick decision.


Flexible long term loan repayments

Pick repayment terms that fit your budget.


No deposit or collateral needed

Our personal loans are unsecured, no need for deposits or collateral.


Apply online for loan term Personal Loans


Apply for long term loan online anytime
Select the amount you need, and we’ll assess your eligibility based on your unique circumstances.
If approved, you will get your funds in minutes*.

Long term loan options to fit your needs


Small Loans
  • Loan Amounts:
    $500 - $2,000
  • Establishment Fee:
    20%
  • Monthly Service Fee:
    2-4%
  • Interest
    Not Applicable
  • Terms:
    6-12 Months
Medium Loans
  • Loan Amounts:
    $2,001 - $5,000
  • Establishment Fee:
    $400
  • Monthly Service Fee:
    $0
  • Interest
    24-48% p.a
  • Terms:
    12-24 Months
Large Loans
  • Loan Amounts:
    $5,100 - $10,000
  • Establishment Fee:
    $0
  • Monthly Service Fee:
    $0
  • Interest
    24048% p.a
  • Terms:
    12-36 Months

Why choose long term finance with Credit24?

Life’s bigger expenses don’t always arrive on schedule. Whether you’re planning a home renovation, need to upgrade your car, or covering unexpected medical costs, a long-term personal loan can offer flexibility when you need it most.

At Credit24, you can apply to borrow up to $10,000, with repayment terms of up to 36 months, depending on the loan product. This can help make your repayments more manageable across a longer period.

Worried about your credit history? We take a broader view when assessing applications—considering your current financial situation, not just your credit score.

Our 100% online application is simple and quick to complete. If approved, funds can be transferred fast—sometimes in as little as 60 seconds to PayID-enabled banks.*

Long term finance FAQ

What is the longest term loan you can get with Credit24?

What are the benefits of a long term personal loan?

How much can you borrow with a long term personal loan?

What are the potential disadvantages of long term financing?

Should I choose a long term or short term loan?

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