Personal loans / Secured Car Loan / Rates & fees

Interest rates

Rate type
Interest Rate
Fixed rate
Range: 6.99% p.a. to 9.99% p.a.
Representative rate: 7.99% p.a.^
Comparison rate
Range: 8.05% p.a. to 11.03% p.a.
Representative rate: 9.04% p.a.*

Fees & charges

Fees that will apply

Fee Type
Definition
Amount
Establishment fee
Upfront cost payable when accepting a loan
$250
Loan service fee
Monthly charge to cover costs of keeping account active
$10 per month

Fees that may apply

Fee Type
Definition
Amount
Late payment fee
May be payable on the fifth business day after the repayment due date if at the end of the previous business day your loan is in arrears
$20
Early repayment adjustment
An early repayment adjustment may be made for the loss the Bank expects to make due to the loan being repaid earlier than anticipated. The early repayment adjustment is levied to put the Bank back into the same financial position it would have been in had the loan not been prepaid.
Full details on how we calculate the Early Repayment Adjustment can be found in our Standard Fees and Charges for Secured, Fixed and Variable Rate Personal Loans, Campus Loans and Overdrafts brochure.
Other electronic banking fees
Please refer to our Electronic Banking General Information and Terms and Conditions

Things you should know

Please consider all upfront and ongoing fees and charges when applying for a new Personal Loan to ensure your loan is able to meet your needs. A copy of our Standard Fees and Charges for Personal Loans and Personal Overdrafts can be picked up from any of our branches, or by calling 13 1431, 8.00am to 8.00pm, 7 days a week.

Tools & calculators

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Use our personal loan selector tool to choose between Variable, Fixed Rate or Secured.

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Repayments calculator

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How much can I borrow?

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