Variable Rate Personal Loan rates and fees

Rate type	Interest Rate
Variable rate	From 13.90% p.a.
Comparison rate	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	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 if a payment is not received within 5 business days of the due date	$20
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
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.