Consumer Loans

Consumer Loans Designed to Empower Your Next Step

At Optus Bank, we believe access to fair and flexible financing is the foundation of financial empowerment. Our consumer loan products are designed to meet you where you are in any stage of life. With competitive terms, flexible solutions, and a commitment to serving our communities, we provide a variety of offerings to help transform financial opportunity into lasting stability and growth. All loans are subject to credit approval. Terms and conditions apply.

Residential Mortgage Loans

Building Strong Foundations for Homeownership

Optus Bank offers both fixed-rate and adjustable-rate mortgage options, making homeownership more accessible while maintaining financial stability.

Residential Construction Loans

Supporting Your Vision from the Ground Up

Our short-term, construction-only mortgages and Lot Loans bring your homebuilding plans to life with flexible structures and support.

Personal Loans: Financing Solutions That Move You Forward

Secure, Reliable, and Designed for You.

From auto loans to flexible lines of credit, Optus Bank offers secure lending options that help you manage life’s needs, unlock opportunity, and build toward lasting financial stability.

optus other personal loans and lines of credit

Unsecured Loans: Flexible Financing, No Collateral Required

For qualified borrowers, unsecured loans provide quick access to funds These loans are designed to support short-term financial needs with competitive rates.