*$250 is credited back to your account when you spend a minimum AUD$1,000 on purchases using your Freestyle Virtual Mastercard®. Eligible for applications made from 01/09/2020 for a limited time only. View full T&C’s here.
Ready to use credit limit
up to $20,000 in minutes5
Our lower rate
of 16.99% p.a.
Pay later with
Where to use Freestyle?
virtual credit account
Apply now. Get it now. Use it now. Download today.
Our fees and charges
Up to $20,0005
Up to 55 days6
What our customers say
Ready to get started?
Up to $20,000
Lower rate 16.99% p.a. & $250 credit back1
1$250 is credited back to your account when you spend a minimum AUD$1,000 on purchases using your Freestyle Virtual Mastercard®. Eligible for applications made from 01/09/2020 for a limited time only. View full T&C’s here.
Things you should know
For a line of credit:
Fees and charges
Interest rate 16.99%3
Credit limit approvals up to $20,000
Minimum withdrawal amount is $100
Monthly account fee of $9
Only applies if outstanding balance is over $20
Annual fee from $0 to $149
Based on your credit limit and rating
3This interest rate is based on the Annual Percentage Rate (APR). Our APR is calculated daily by applying the daily APR and charged in arrears on the outstanding balance of your loan to the date your payment is due.
Other fees that may apply
Dishonour fee of $15
This is payable each time a direct debit is dishonoured on your commitment to make a loan repayment is not met.
Overdue account fee of $15
This is payable each time your account is not up to date by the end of the last day of the month.
Based on a revolving line of credit of $20,000 over 2 years
Minimum interest rate of 16.99% p.a. (26.66% p.a. comparison rate4) with total cost of $6,421.40
Maximum interest rate of 25.99% p.a. (40.73% p.a. comparison rate4) with total cost of $6,880.34
4 Warning: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates.
5 Applications are subject to eligibility criteria including credit approval. Other terms and conditions may apply. 6If not repaid after 55 days, interest rate of 16.99% p.a. will apply.
Get our lowest rate advertised
of 16.99% p.a. plus $250 back*.