Terms and Conditions

Our Fixed Sum Loan Agreement [PDF, 154KB], applies to most new loan accounts if you applied from 28 April 2021. If your application was successful, you'll have received this electronically and will have been asked to sign it electronically. You’ll also be able to find a copy of the loan agreement you signed, which includes your terms and conditions, when you log in to online banking.

Fixed Sum Loan Agreement is effective from 28 April 2021. Previous versions may vary.

Our Loan Agreement [PDF, 375KB] and General Terms and Conditions [PDF, 343KB] apply to most new loan accounts if you applied for a loan before 28 April 2021; or applied for a joint loan between 28 April 2021 and 24 November 2021; or were an existing loan, credit card or savings customer at the time of your application.

Example Loan Agreement and General terms and Conditions are effective from 27 May 2021. Previous versions may vary.

The agreement you signed, which includes the terms and conditions of your loan, will vary depending on when you opened your loan account and if you applied on your own or with someone else. If you can’t find a copy of the loan agreement you signed, please call us.