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Secured Car Loan rates and fees

Interest rate

Rate type Interest Rate
Fixed rate From 8.49% p.a. 
Comparison rate 9.54% p.a. based on a $30,000 secured loan over five years

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.
  • *WARNING: This comparison rate applies 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 & 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 Fee charged if a payment is not received within 5 business days of the due date $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
Government charges State Governments may apply various registration fees when a loan secured by a mortgage or other security is either established or discharged. To ascertain how much you will be charged, please contact the relevant State Government department.

  • Important information

    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.