Borrow with confidence
Straightforward personal lending with no smoke and mirrors. We give you a real rate before you apply, fixed monthly repayments so you always know where you stand, and no penalty if you want to pay off early. Borrowing should be simple, and with Nobil Trust Bank, it is.
Know your rate before you apply
Check your personalised rate in minutes with a soft credit search that leaves no mark on your file. You will see the exact rate, term and monthly repayment before you commit to anything.
Check your rateLending designed around your needs
Every loan product we offer comes with a fixed rate, transparent terms, and a dedicated adviser available if you have questions at any stage of your application.
Personal Loan
Our flagship personal loan lets you borrow for any legitimate purpose, a wedding, home renovation, holiday, or consolidating existing commitments. You receive a fixed rate for the full term, so your monthly repayment never changes and your household budget stays predictable from the first payment to the last.
- Borrow $1,000 to $50,000
- Terms from 12 to 84 months
- Fixed rate, fixed monthly repayments
- No arrangement or administration fee
- No early repayment charge whatsoever
Car Finance
Whether buying a brand-new vehicle from a dealership or a used car privately, our car finance puts you in the driving seat on price. Because you own the car outright from the moment you purchase, you can sell or modify it at any point without seeking permission from a finance house or leasing company.
- New and used vehicles accepted
- You own the car from day one
- No deposit required
- Borrow up to $40,000
- Terms from 12 to 60 months
Home Improvement Loan
Fund your renovation project without touching your mortgage, remortgaging, or draining savings built over years. Whether you are adding an extension, replacing a kitchen, or converting a loft, our unsecured loan keeps the work moving without putting your family home at risk as collateral.
- Borrow $2,000 to $50,000
- No security or charge on property
- Terms up to 84 months
- Funds paid directly to your account
- Repeat borrowing available for members
Debt Consolidation
If you are managing multiple credit cards, store cards, or overdrafts, a consolidation loan replaces them with a single fixed monthly payment at a potentially lower overall rate. Simplifying your debt not only reduces administrative burden, it can materially reduce the total interest you pay and create a clear, achievable timeline to becoming debt-free.
- Combine up to 10 existing debts
- One fixed monthly payment
- Potentially lower overall interest
- Clear structured timeline to debt-free
- Complimentary debt review included
Eligibility made simple and transparent
We believe lending decisions should be clear before you commit any time. Check your eligibility in minutes using a soft credit search that leaves no footprint on your file, regardless of the outcome or whether you choose to proceed.
- Aged 18 or over and a permanent resident
- Regular income of at least $1,200 per month after tax
- No active bankruptcy or debt relief order in the past 6 years
- An active Nobil Trust Bank current account, or willing to open one
From application to funds in three steps
We have stripped the complexity from borrowing. Our end-to-end digital process means money can be in your account the same day you apply in most cases.
Check your rate
Tell us how much you would like to borrow and for how long. We'll show you your personalised rate in minutes using a soft credit search with zero impact on your credit score.
Accept your offer
Review your full loan agreement including the exact monthly repayment and total cost of credit. When you are satisfied, sign digitally and confirm your identity through the app.
Receive your funds
Once approved, funds are transferred directly to your Nobil Trust Bank account, typically within hours. You receive a full repayment schedule by email immediately.
Lending that works in your favour
Fast Decisions
Our automated credit assessment delivers a genuine lending decision in minutes. Most applicants receive an answer long before they finish reading the terms.
Fixed Repayments
Your rate is locked for the full term. No variable rates, no indexing to base rate changes, just the same figure leaving your account on the same day each month.
No Hidden Fees
No arrangement fees, no monthly administration charges, no penalty for settling early. The representative APR is the only cost you will ever encounter with us.
No Early Repayment Charge
Come into a windfall or want to pay off faster? Settle your loan partially or in full at any point without incurring any additional charges or penalties whatsoever.
Transparent pricing across all loan types
The rate you are offered depends on your individual credit profile and the amount you borrow. Use these figures as a guide when comparing your options.
| Loan type | Representative APR | Minimum | Maximum | Maximum term | Est. monthly ($10k / 36m) |
|---|---|---|---|---|---|
| Personal Loan | 5.9% | $1,000 | $50,000 | 84 months | $303.48 |
| Car Finance | 6.9% | $2,000 | $40,000 | 60 months | $308.77 |
| Home Improvement | 7.9% | $2,000 | $50,000 | 84 months | $313.35 |
| Debt Consolidation | 8.9% | $1,000 | $50,000 | 84 months | $318.00 |
| Graduate Loan | 6.4% | $1,000 | $25,000 | 60 months | $305.99 |
Loans, frequently asked questions
Apply in minutes, get funds the same day
Check your personalised rate without affecting your credit score, then decide. No obligation and no hard sell, ever.
Representative example: Borrow $10,000 over 36 months at a fixed annual rate of 5.9%. Monthly repayment: $303.48. Total amount repayable: $10,925.28. Representative 5.9% APR. Your actual rate will be confirmed following a full credit assessment and may differ. Nobil Trust Bank is authorised and regulated by the Financial Conduct Authority. Credit is subject to status and affordability. Applicants must be 18 or over. Lending is not available to residents of all states, please refer to our full terms and conditions for details.