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Whether it’s downloading important documents or managing your account, everything you need to get the most out of your Coles Personal Loan can be found below.
If you can't find the documents or information you need, please visit the Online Service Centre.
Find out about the some of the benefits of having a Coles Personal Loan.
For full list of FAQs, please see our FAQ page.
Set up and payments
Repaying my loan
Managing your Coles Personal Loan Debit Mastercard®
Online Service Centre
Mobile Wallet App
Contact your service providers. Provide your Coles Personal Loan BSB and account number to your biller and advise them that your preferred method of payment is direct debit from your account.
With the flexibility and convenience of accessing your available credit, there are two ways you can make payments using your Coles Personal Loan account.*
Set up direct debits directly with your financial institution to your Coles Personal Loan.
To use your Coles Personal Loan to pay your bills, set up a 'payee' online; then anytime you need to make a payment you can simply sign into your account:
The minimum monthly payment includes any overdue and overlimit amounts which are payable immediately rather than on the payment due date. The minimum payment due on your statement must be paid by the payment due date each month, however you are able to pay more than this amount. If you do, the extra payments made will reduce your outstanding balance further, which means you have more available credit to access on your account. Please however note that any available credit you utilise will be charged at the standard annual percentage rate (APR). Please refer to your statement for your APR.*
You are required to make repayments monthly on each Payment Due Date, as advised in your statement. Your monthly Minimum Payment Due is:
1. the Monthly Instalment on your loan; and
2. in the event any retail or cash balances outside of the instalment loan (resulting from your use of the reusable credit facility), the greater of;
You have the ability to withdraw cash from ATMs using your Coles Personal Loan Debit Mastercard®, without paying cash advance fees and you pay the same standard Annual Percentage Rate (APR) as your purchases. Your APR can be found on your statement.
When overseas, you can also access cash from any ATM that displays the Mastercard, Cirrus and Maestro symbols. For transactions overseas, an international transaction fee applies.
If you notice a transaction on your account that you don’t recognise, please call us immediately on
1300 306 397 for us to investigate.
Coles Personal Loans aim to make the experience as easy as possible by providing you with detailed information on the steps involved.
You can activate your card via the Online Service Centre in three ways:
To register for the Online Service Centre, go to osc.coles.com.au and click “Register”. Please have the following handy:
To retrieve your username:
To reset your password:
To manage your personal details:
To view your statements:
The Coles Mobile Wallet App is our mobile banking and loyalty app, designed for iPhone and Android devices. It allows you to manage your Account 24 hours a day with access to your Account Balance, available credit and transaction history. It also lets you view your flybuys account points balance, access, and activate a great range of exclusive flybuys offers.
Current balance and available credit
It's easy. Simply download the app from the App Store for iPhone devices or Google Play for Android devices and follow the quick registration process. The name of the app is “Coles Mobile Wallet App".
Your statement tells you how much your instalment loan is outstanding, your monthly instalment, and when it’s due.
For more information on your statement, please see our FAQ page.
# flybuys members currently collect 1 flybuys point for every dollar spent at Coles. flybuys members who hold a Coles Personal Loan and have linked their loan to their flybuys membership will collect +1 EXTRA POINT on every dollar spent at Coles for each loan whenever they scan their flybuys card. flybuys members do not collect flybuys points on the spend amount made on their Coles Personal Loan. Maximum 1,000 EXTRA POINTS per loan per month. flybuys EXTRA POINTS are collected from the date you activate your Coles Personal Loan and it is linked to your flybuys membership. No flybuys EXTRA POINTS will be collected for the month in which your loan ends. This offer can be withdrawn at any time. Standard flybuys Terms and Conditions apply. flybuys EXTRA POINTS are collected on transaction balance after savings and discounts and exclude gift cards, iTunes cards, tobacco and tobacco related purchases. Coles means Coles Supermarkets and Coles online only.
* Payment of the monthly instalment enables you to pay off your Coles Personal Loan within your initial chosen loan term. You can choose to reuse credit up to your approved credit limit. Any use of the reusable credit facility will require additional monthly repayments on your loan. There will be no end date of your personal loan whilst you continue to use your reusable line of credit. For the full terms and conditions of your instalment loan, please refer to the Coles Personal Loans Unsecured Credit Terms and Conditions and Other Important Information.
Coles unsecured credit products are issued by Citigroup Pty Limited ABN 88 004 325 080, AFSL and Australian credit licence 238098 (Citigroup) and distributed by Coles Supermarkets Australia Pty Ltd ABN 45 004 189 708 . Coles receives commission for the introduction of credit business to Citigroup.
Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. Coles unsecured credit products are issued by Citigroup Pty Limited ABN 88 004 325 080 AFSL No. 238098 Australian credit licence 238098 and distributed by Coles Supermarkets Australia Pty Ltd ABN 45 004 189 708.