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Variable rate personal loan rates and fees

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Variable Rate Personal Loan rates and fees

Interest rate

Rate type

Interest Rate

Variable rate

From 13.90% p.a.

Comparison rate

From 14.77%p.a.* based on an unsecured $30,000 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 that will apply

Fee type



Establishment fee

Upfront cost payable when accepting a loan


Loan service fee

Monthly charge to cover costs of keeping account active

$10 per month

Fees that may apply

Fee type



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



Repayment redraw fee

You may be able to redraw money you’ve paid back on your loan.

No fee for electronic redraws. $10 fee for branch redraws

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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