Latitude review
Personal
Best suited for borrowers wanting fixed-or-variable flexibility and a fast personalised quote, with a repayment-pause option for new customers
Loanseekers is a broker, not a lender, and may receive commission from lenders on our panel. This does not change what you pay. See our Credit Guide.
Advertised rates
8.99% - 29.39% p.a. fixed or 9.49% - 29.39% p.a. variable, personalised to your circumstances
Comparison rate 10.67% - 30.97% fixed / 11.16% - 30.97% variable*
Approval speed
Response in 60 seconds online, personalised rate in 2 minutes; funds released within 24 hours of returning the signed contract
Credit-profile fit
Purely personalised risk-based pricing across an 8.99% - 29.39% p.a. range reflecting your circumstances. No published impaired-credit lane.
Pros & cons
Pros
- Fixed or variable and secured or unsecured choices
- 60-second application response
- Rate estimate with no credit score impact
- No early termination fee on variable loans
- 3-month payment pause option for eligible new customers
Cons
- $395 establishment and $16.50 monthly fee in the published example
- $500 early termination fee on fixed loans until the last 3 months
- Rates reach 29.39% p.a. for weaker profiles
- Payment pause still accrues interest and extends the loan term
Key features
- Fixed or variable rate, secured or unsecured options
- Terms 2 - 7 years; repayment calculator accepts $5,000 - $200,000
- Weekly, fortnightly or monthly repayments
- Rate estimate with no credit score impact
- 3-month payment pause option for eligible new customers (interest and fees still accrue)
- Loan top-up for existing eligible customers
Fees
- $395 establishment fee and $16.50 monthly loan servicing fee (published worked example)
- $500 early termination fee on fixed loans until the final 3 months; $0 on variable
- Free redraw of extra repayments on variable loans
Frequently asked questions
Who is Latitude best suited to?
Based on our review, Latitude is best suited for borrowers wanting fixed-or-variable flexibility and a fast personalised quote, with a repayment-pause option for new customers.
What are Latitude's rates?
8.99% - 29.39% p.a. fixed or 9.49% - 29.39% p.a. variable, personalised to your circumstances. Rates and fees are current as at 30 July 2026 and are subject to change by the lender at any time.
What fees does Latitude charge?
$395 establishment fee and $16.50 monthly loan servicing fee (published worked example). $500 early termination fee on fixed loans until the final 3 months; $0 on variable. Free redraw of extra repayments on variable loans.
How fast is Latitude's approval?
Response in 60 seconds online, personalised rate in 2 minutes; funds released within 24 hours of returning the signed contract.
What credit profile does Latitude accept?
Purely personalised risk-based pricing across an 8.99% - 29.39% p.a. range reflecting your circumstances. No published impaired-credit lane.
How do I apply through Latitude?
Start a Loanseekers enquiry and we compare Latitude against 70+ lenders for your situation. The initial check does not affect your credit score, and our specialists manage the application to settlement.
See if Latitude suits your situation
One enquiry compares Latitude against 70+ lenders for your exact position. No obligation, no impact on your credit score to enquire.
This is general information only, not personal advice; we have not considered your objectives, financial situation or needs. Loanseekers is a broker, not a lender, and may receive commission from lenders on our panel. This does not change what you pay. Approval is subject to lender criteria. See our Credit Guide.
Rates and fees current as at 30 July 2026. Rates and fees are subject to change by the lender at any time.
*The comparison rate is based on the lender's published example and is true only for that example. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
Think something on this page is out of date or inaccurate? Tell us via our complaints and disputes page.
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