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Fixed Rate Loan rates and fees

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Fixed Rate Personal Loan

Interest rates

Rate type

Loan Term

Interest rate

Comparison Rate1

Fixed rate

1 year

From 13.90% p.a.

From 17.02% p.a.

2 years

From 13.90% p.a.

From 17.02% p.a.

3 years

From 13.70% p.a.

From 16.83% p.a.

4 years

From 13.70% p.a.

From 14.57% p.a.

5 years

From 12.99% p.a.

From 13.86% p.a.

6 years

From 12.99% p.a.

From 13.86% p.a.

7 years

From 13.90% p.a.

From 14.77% p.a.

Important information

Your interest rate will be based on a number of factors, including the information you provide and our assessment of your application. We will confirm your actual interest rate in your loan offer document. For information on our current range of interest rates, you can call us on 13 1431, 8.00am to 8.00pm, 7 days a week, or visit a branch.

1 Comparison rates calculated on loans as follows: for loan terms of 1 to 3 years, comparison based on an unsecured $10,000 loan over 3 years. For loan terms of 4 to 7 years, comparison based on an unsecured $30,000 loan over 5 years.
WARNING: these comparison rates apply only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.  

Fees that will apply

Fee type

Definition

Amount

Establishment fee

Upfront cost payable when accepting a loan

$150

Loan service fee

Monthly charge to cover costs of keeping account active

$10 per month

Fees that may apply

Fee type

Definition

Amount

Settlement cheque fee

Cheques provided to help you pay different recipients with your loan borrowings

Two free
$15 for every additional cheque

Late payment fee

Fee charged when, 5 business days after the repayment due date, you are in arrears and your full monthly loan repayment is not received

$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

Important information

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.



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