Rating based on 16 reviews

IMB Bank

  • Personal loans up to $75,000
  • Low-interest starting from 7.39%
  • Repayment up to 7 years

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IMB Bank homepage
Author IMB Bank. Screenshot of IMB Bank website.
[Accessed May 24, 2023]

About IMB Bank

IMB Bank is all about better value overall whether you’re looking at their products and services or their customer service. They offer everything from personal loans to credit cards and bank accounts.

With a long and well-documented history spanning 136 years, IMB is a reliable lender that's grown and developed as your needs have changed. According to its website, IMB has funded over 800 projects since the establishment of its community foundation in 1999.

Simplicity is key with IMB loans

One of the best things about IMB is their way of making everything simple and easy for their customers. From the way their website is laid out to their range of products and services, you can easily find what you need and get the necessary information.

A great service

Although all banks claim to offer great service IMB truly stand by their word with a little extra effort and more value in everything they offer and everything they do.

Revolutionise your banking: Explore their cutting-edge digital solutions

Embrace the future of banking with IMB's innovative technology

At IMB Bank, they prioritise customer support and accessibility. Their members can conveniently interact with them through various channels such as webchat, in-app messaging, and social communication. Banking with them is flexible, whether it's through Internet banking, mobile banking, phone banking, or their Australia-based call centre, IMB Direct.

Their innovative approach extends to their digital banking options, which include online lending, the IMB Mobile App, secure real-time payments through Osko®, and compatibility with popular mobile payment wallets like Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay.

A strong commitment to diversity and community impact

Their success is made possible by their dedicated team of professionals. IMB Bank has been recognised as an Employer of Choice for Gender Equality by the Workplace Gender Equality Agency, underscoring its commitment to equality and diversity in the workplace. They also actively support their communities through sponsorships, business advocacy, and the IMB Bank Community Foundation, which has contributed over $11 million to support more than 800 community projects.

IMB Bank Services

IMB Bank offers a highly comprehensive range of financial products and services including bank accounts, savings, retirement and investment accounts, home loans, car loans, credit cards, business loans and additional products like insurance and travel documents.

With IMB Bank you can make use of Westpac, St George, Bank of Melbourne and BankSA ATMs across the nation at no extra charge!

Personal IMB loans at competitive rates

IMB offer secured and unsecured personal loans that range from $2 000 to $75 000 which can be repaid in terms from 1 year to 5.

You can make extra repayments on your personal loan without any penalties – saving you interest and giving you the flexibility you need to make the most of your finances and achieve your goals.

Vehicle finance options

IMB has a car loan product that can help you buy either a new or used car. The rates on a new car loan are 5.99% per annum and the rates on a used car are 7.39% per annum. These rates are some of the most competitive on the market and will ensure you don’t pay more than you really need to for your wheels.

Unlock your dreams with IMB loans' unsecured personal loan

No collateral, no worries: Seize opportunities with hassle-free funding

Unsecured personal loan: Need funds for that special something? IMB Bank's unsecured personal loan allows you to get what you want sooner. With no security required, no ongoing account-keeping fees, and borrowing options up to $30 000, you have the freedom to pursue your goals with ease.

Secured personal loan: Whether it's a new car, a dream holiday, or your wedding plans, IMB's secured personal loan can help you turn your aspirations into reality. With no monthly fees and terms ranging from 1 to 5 years, you can borrow up to $60 000. Take advantage of this award-winning loan and make your dreams come true.

They offer competitive interest rates and transparent comparison rates, ensuring you have a clear understanding of the total cost of borrowing. IMB loans are subject to normal lending criteria, terms and conditions, fees, and charges. Explore their personal loan options today and take the first step towards achieving your financial goals.

IMB Bank – Personal loan

  • Loan Type Personal loans
  • Interest Rate from 7.39%
  • Loan Amount up to $75,000
  • Repayment 12 months to 7 years

Benefits of IMB Bank

  • IMB loans of up to $75 000
  • Affordable loan terms of up to 7 years
  • Low interest from 7.35%

Personal loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This personal loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Its easy to get a personal loan from IMB Bank

When you get a bank account with IMB or a personal loan you'll become a member by default.

Once you’re a member you'll have access to a range of benefits and great financial products and services at some of the best rates in the country.

Apply for a personal loan

In order to get a quick loan from IMB, you must be a resident or citizen of Australia, have attained the age of 18 and have a good and clear credit history. You'll also have to qualify for the specific loan or product in terms of your income and expenses.

You can easily apply for IMB loans without ever leaving your home or office by completing their very simple and streamlined online loan application form. With over 3 000 ATMs and branches across the country from Melbourne to Sydney, this bank is one that you can rely on to get things right every time.

The application process

Their application for a loan is very simple and starts off with a small questionnaire that requests your desired loan amount, the purpose of the loan and whether or not you intend to provide security.

After you confirm that you meet their basic application requirements you'll be asked to provide details regarding your employment. The application will then take a further 5 minutes of your time and you'll find out if you're approved within minutes. Their staff receives ongoing training to ensure that they're constantly at the peak of their performance. This is to ensure that you receive the best service that they can possibly supply.

The loan options

Choose between either the secured or unsecured loan option depending on your current economic circumstances and needs. A secured loan requires you to provide a form of security when applying for a loan while the unsecured option requires no collateral. Their expert staff will assist you in deciding which option would be better suited for your situation.

man holding thumbs up

IMB Bank is a trusted & reliable provider of personal loans

In our review, IMB Bank adheres to the compliance criteria in accordance with the National Consumer Protection Act, where the granting the loan will not cause financial distress to the consumer.

✅ IMB Bank is a registered credit provider in Australia: ACL 237 391

Customer Reviews & Testimonials

October 2018

My old bank made me feel unnoticed and uncomfortable. When I heard about the IMB from a friend I was already impressed. Now that I have been a member of the IMB family for a few months I already ...

Luke H
— Sydney —

February 2019

Thanks to the IMB I was able to get a loan that suited my exact needs. Never before was I able to choose a repayment amount that suits my income and budget. It is evident that the IMB is a lender...

Britney C
— Adelaide —

March 2019

Finance on the go is the best thing since sliced cheese! I am very busy and do not often find the time to make my way down to the bank so IMB’s online finance options are a godsend!

Bianca R
— Brisbane —

April 2019

What an easy online application! I have never completed a loan application online before and was nervous at the start but soon saw that everything was simple and fast!

Andrew M
— Perth —

April 2019

With the pre-approval of IMB Banks personal loan, I was able to start planning my family vacation. Thank you for granting us memories that will last a lifetime.

Dante S
— Canberra —

IMB Bank Contact

Contact Number


  • not available


Physical Address

Opening Hours

  • Monday 08:00 – 20:00
  • Tuesday 08:00 – 20:00
  • Wednesday 08:00 – 20:00
  • Thursday 08:00 – 20:00
  • Friday 08:00 – 20:00
  • Saturday – Closed
  • Sunday – Closed