Brighte Personal Loan
You can use the Brighte Personal Loan for home improvement projects, such as decking, landscaping, plumbing, outdoor blinds and more.
- Borrow up to $45,000
- From 11.99% p.a. fixed interest rate
About the Brighte Personal Loan
- Finance amount
- $2,000 - $45,000
- Eligible products
-
- Garden and outdoors
- Electrical and plumbing
- Blinds and shutters
- Heating and cooling improvements
- Bathroom and kitchen renovations
- Pools and spas
- Carports, patio’s and sheds
- Repayment terms
- 2-7 years
- Interest rate
-
From 11.99% p.a.* fixed interest rate
Comparison rate 13.69% p.a.^
- Customer fees
-
- Establishment fee starting from $199 added to loan amount*
- $2.99/weekly account keeping fee included in repayments
- No fee for early repayment
- Eligibility
-
- Be 18 years or over and an Australian resident
- Have an Australian driver's licence, passport or Medicare card
- Provide your own email address and mobile number
* The advertised interest rate is our lowest rate based on a customer with an excellent credit profile. The final interest rate, repayment amount, and establishment fee will be provided if an application for credit is approved. Information and interest rates are current as at 1 Oct 2026 and are subject to change. Other fees applicable include a $2.99/weekly account keeping fee and a late payment fee of $4.99 may be charged if you miss a repayment. All applications for credit are subject to Brighte’s credit approval. Fees, terms and conditions apply.
^ Comparison rate calculated on an unsecured loan amount of $30,000 over a term of 5 years based on fortnightly repayments. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Very good service
Brighte approved my $3,000 loan within minutes. The installation went very smoothly and the system proved to be everything I expected and more.
Bill - Father of four from Sheidow Park, SA
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FAQs
How much can I borrow with a Brighte Personal Loan?
You can borrow $2,000 to $45,000 with a Brighte Personal Loan for home improvements, repaid over 2 to 7 years.
What interest rate does the Brighte Personal Loan charge?
Brighte Personal Loan rates start from 11.99% p.a. fixed (comparison rate 13.69% p.a.), and your final rate is set when you're approved. The rate is locked for your whole loan term of 2 to 7 years, so your repayment amount stays the same.
What can I use a Brighte Personal Loan for?
A Brighte Personal Loan covers home improvements including garden and outdoor projects, electrical and plumbing, blinds and shutters, heating and cooling, bathroom and kitchen renovations, pools and spas, and carports, patios and sheds.
What fees apply to the Brighte Personal Loan?
The Brighte Personal Loan's establishment fee is tiered, starting from $199 and increasing with the amount you borrow, and is added to your loan. A $2.99 weekly account-keeping fee is built into your repayments, a $4.99 late fee may apply to a missed repayment, and you can repay your Personal Loan early without a fee.
What's the difference between the Brighte Green Loan and the Brighte Personal Loan?
The Brighte Green Loan is for energy-efficient upgrades, lending up to $65,000 over 2 to 10 years from 9.99% p.a. (comparison rate 11.70% p.a.). The Brighte Personal Loan is for other home improvements, lending up to $45,000 over 2 to 7 years from 11.99% p.a.
How long does Brighte Personal Loan approval take?
Brighte aims to give you an answer on your Personal Loan application within 1 to 3 business days.