Unsecured
Latitude Personal Loan (for a car)
- The Latitude Personal Loan used to buy a car
- Fixed or variable rate
- Secured or unsecured, depending on your circumstances and the amount
- 2 to 7 year terms
Specialist
Latitude Financial Services
ASX-listed consumer lender headquartered in Melbourne, formed from GE’s Australian and New Zealand consumer finance business in 2015. It lends through the Latitude Personal Loan, fixed or variable and secured or unsecured, directly online and through accredited brokers.
MelbourneFounded 2015Australian Credit Licence 392163
Latitude at a glance
Latitude Financial Services is a specialist non-bank lender. It offers car loans and personal loans.
We checked Latitude's products and eligibility on its own website on 30 September 2026.
- Lender type
- Specialist
- Bank or non-bank
- Non-bank lender (not an ADI)
- Credit licence
- ACL 392163, Latitude Personal Finance Pty Ltd
- Lends
- Car loans, Personal loans
- Headquarters
- Melbourne
Strengths
- Personal loans at a fixed or variable rate, secured or unsecured
- Rate check in 2 minutes without affecting your credit score
- Distributed by over 4,500 accredited brokers in Australia and New Zealand
- Listed on the ASX (LFS) since April 2021
Watch out for
- Latitude was hit by a cyber-attack in March 2023 in which personal information was stolen
- The maximum loan depends on your circumstances; no fixed upper limit is published
Latitude loans and products
What Latitude offers in each category, with the features, eligibility and trade-offs we note. For the current rate on each product, follow the link to Latitude’s own rate card.
Latitude car loans
Compare car loans lendersLatitude personal loans
Compare personal loans lendersUnsecured
Latitude Personal Loan
- Fixed or variable rate
- Secured or unsecured, depending on your circumstances
- From $5,000; the maximum depends on your circumstances
- 2 to 7 year terms
What Latitude lends
Latitude lends to consumers through the Latitude Personal Loan, which comes with a fixed or variable rate and can be secured or unsecured. Loans start from $5,000, with the maximum depending on your circumstances, and terms range from 2 to 7 years. Latitude says the loan can be used for most purposes, including a car purchase or repairs, travel, home renovations and debt consolidation.
Latitude's car loan page is based on the same Latitude Personal Loan, with the same 2 to 7 year terms. For accredited brokers, Latitude also offers an Asset Loan, and its broker page refers to the terms and conditions of the Latitude Car and Motor Loan.
How to apply with Latitude
You can check a personalised rate online in 2 minutes without affecting your credit score, then apply online with your ID details and proof of income. Latitude says funds are released after it receives your signed contract and banking details.
Latitude also lends through brokers, and says its lending products are distributed by a network of over 4,500 accredited brokers in Australia and New Zealand. Accredited brokers can submit Personal Loan and Asset Loan applications through Latitude's broker portal.
Latitude ownership and history
One of Latitude's predecessor businesses, Australian Guarantee Corporation, was founded in the 1920s, and Latitude traces its recent history to acquisitions GE made in Australia and New Zealand. In 2015 a consortium of KKR, Värde Partners and Deutsche Bank bought the business from GE and renamed it Latitude Financial Services. Latitude listed on the ASX on 20 April 2021 under the code LFS and is headquartered in Melbourne. It says it was subject to a cyber-attack in March 2023 that resulted in the theft of personal information.
Latitude's personal loan terms and conditions state that personal loan credit is provided by Latitude Personal Finance Pty Ltd (Australian Credit Licence 392163). Its motor loan contract names Latitude Automotive Financial Services (Australian Credit Licence 392178) as credit provider, and Latitude Finance Australia (Australian Credit Licence 392145) is also listed among its credit providers.
Alternatives to Latitude
Other lenders in our directory that offer car loans, personal loans, starting with other specialist lenders.
More on Latitude
- Latitude review: pros, cons and who it suits
What Latitude offers, the trade-offs, and who should look elsewhere.
Latitude: frequently asked questions
How much can I borrow with a Latitude personal loan?
The minimum Latitude Personal Loan is $5,000, and the maximum depends on your circumstances and current financial situation. Loan terms range from 2 to 7 years, and you can choose a fixed or variable rate.
Does Latitude offer car loans?
Latitude's car loan is its Latitude Personal Loan used to buy a car, at a fixed or variable rate over 2 to 7 years, and whether it is secured depends on your circumstances and the amount. Accredited brokers can also arrange Latitude's Asset Loan, the Latitude Car and Motor Loan.
Can I apply for a Latitude loan through a broker?
Yes. Latitude says its lending products are distributed by a network of over 4,500 accredited brokers in Australia and New Zealand, and accredited brokers can submit Personal Loan and Asset Loan applications through its broker portal. You can also apply directly online after checking your rate in 2 minutes without affecting your credit score.
Is Latitude a bank?
No. Latitude is a non-bank lender: it is not on APRA’s register of authorised deposit-taking institutions (ADIs), the list of banks, building societies and credit unions licensed under the Banking Act 1959. Its Australian Credit Licence is 392163, held by Latitude Personal Finance Pty Ltd, and lending to consumers under a credit licence is regulated by ASIC under the National Consumer Credit Protection Act 2009.
What is Latitude’s credit licence number?
Latitude Personal Finance Pty Ltd holds Australian Credit Licence 392163. You can check a licence on ASIC’s Professional Registers before you apply.