Loans & Credit Cards

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Most of us need to borrow at some time in our lives. Whatever your need, it's likely that we can help you with a loan that suits.

 

Premium Home Loan

This is a home loan package that provides a competitive rate and a range of extra benefits and savings. Suitable for members wanting to borrow from $150,000 to $600,000.

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Premium Plus Home Loan

Gives you all the benefits of the Premium Home Loan. Plus you enjoy a discounted rate for borrowing between $600,000 and $800,000.

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Platinum Home Loan

Our top of the range home loan package. You receive a discounted rate and a range of extra benefits and savings. Available to members borrowing more than $800,000.

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Classic Home Loan

A basic home loan at a great rate. Real flexibility so you can manage your mortgage as you choose.

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Smart Start Home Loan

This is a Packaged Home Loan for 18 to 35 year olds buying their first home. No annual fee. First Option will cover up to $1,000 in est costs.

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New Car Loan

A great interest rate and real flexibility, perfect for new cars or demo models (with less than 1,500 kms).

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Smart Start Car Loan

Get into your first car sooner with a discounted rate for members aged 18 – 24 years. No application fee.

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Used Car Loan

Looking at a pre-loved car? Our used car loan offers the same great benefits as our new car loan.

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Personal Loan

Whatever it is you want, a big screen TV, a holiday or even home renovations - we can help you get it.

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Fixed Interest Personal Loan

Provides you with the peace of mind that comes from knowing that your rates and repayments remain the same for a fixed period of up to 3 years.

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Cash Secured Loan

Whatever your loan needs may be, we can help get you there faster by securing your loan with a First Option Fixed Term Deposit.

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Smart Start Investor Loan

This discount rate Personal Loan is ideal for those who want to start building their share portfolio. Available to 18 – 24 year olds. No application fee.

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Smart Start Education Loan

A Personal Loan that helps you cover employment costs, higher education costs and travel expenses. Available to 18 – 24 year olds. No application fee.

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BeGreen Loan

We all want to reduce our energy bills and look after the environment, but this can often involve significant up front costs for long term gain. If you want to improve your insulation at home, buy a water storage tank or install a solar energy unit, First Option can provide the funds you need to make your lifestyle change.

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Unsecured Overdraft

An unsecured overdraft can help at those times when your expenses are at their highest. All deposits into your Access Saver account automatically reduce any overdraft amount. You can use a Visa Debit Card to easily access your funds.

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Mortgage Secured Overdraft

An overdraft acts as a 'safety net' at those times of the year when your expenses are at their peak and can be an essential part of your budgeting strategy. Use your property as security for your overdraft and enjoy the benefits of our competitive low interest rate. You can use a Visa Debit Card to easily access your funds.

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Cash Rewards Visa Credit Card

First Option’s Cash Rewards Credit Card gives you unbeatable access at a competitive rate. Your purchases earn reward points which are redeemed for cash.

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Low Rate Visa Credit Card

A basic credit card with a competitive, low rate. Handy for any unexpected expenses, can be used overseas or purchases over the phone or Internet. Your line of credit is ongoing.

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