A Personal Loan designed for customers to enjoy something they want or need now, if they currently don't have the savings or cash to make the purchase.
Category: Personal Loans Last Updated March 15, 2023 Effective May 3, 2024
General Lending Rates
Rates listed below are for a FIXED product. Additional Information Secured
Interest Rate 11.30% PA
Comparison Rate 12.32%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
, FIXED, 14.00%
Lending Rate Type: Fixed
Interest Rate: 14.00%, Comparison Rate 14.99%
Repayment Type:
Loan Purpose:
, VARIABLE, 16.40%
Lending Rate Type: Variable
Interest Rate: 16.40%, Comparison Rate 17.36%
Repayment Type:
Loan Purpose:
, FIXED, 11.30%
Lending Rate Type: Fixed
Interest Rate: 11.30%, Comparison Rate 12.32%
Repayment Type:
Loan Purpose:
Product Features
OtherAdditional Information: Fixed and variable interest rates available
OtherAdditional Information: Secured and unsecured options
Digital Banking
Bank Fees and Charges
Application Fee (Upfront), Amount: 600.00.
Transfer Fee (Event), Amount: 300.00. Additional Information: Payable if the Customer asks the Bank to change the security property by releasing its security over some or all of the security property and taking security over different property, without any other amendments to the agreement. It does not include any solicitor costs or fees payable to a government registry to register a document.
Arrears Letter Fee (Event), Amount: 35.00.
Bank Cheque Fee (Transaction), Amount: 8.00. Additional Information: Payable in relation to any bank cheque that the Customer requires the Bank to prepare.
Search Fee (Transaction), Amount: 70.00. Additional Information: Per hour or part thereof - payable whenever the Customer (or a Guarantor) requests a copy of a document (other than a statement) connected to the Facility. It is calculated on the basis of the time that it takes the Bank’s staff to search for the document.
Cheque Dishonour Fee (Event), Amount: 35.00. Additional Information: Payable whenever a payment to the Customer’s loan account is dishonoured.
Direct Debit Dishonour Fee (Event), Amount: 35.00. Additional Information: Payable whenever a direct debit to the Customer’s loan account is dishonoured.
Tenanted Security Report Fee (Event), Amount: 100.00. Additional Information: Per hour or part thereof - payable when the security property is to be the place of residence of the Customer and the Bank ascertains by inspection (because the Customer did not tell the Bank) that the Customer no longer occupies the security property. It is calculated on the basis of the time that it takes the Bank’s staff or agents to inspect the security property.
Deed Production Fee (Event), Amount: 60.00. Additional Information: Payable by the Customer whenever the Bank is required to produce a document to a government registry. It does not include any solicitor costs or fees payable to a government registry to register a document
Additional Security Consent Fee (Event), Amount: 150.00. Additional Information: Payable whenever the Customer asks the Bank to consent to a security interest over the security property or any other property subject to the security. It is payable whether or not the Bank consents to the security interest
Discharge Of Security Fee (Exit), Amount: 250.00. Additional Information: Payable if the Bank agrees to discharge a security. The Bank may use some or all of this fee to pay its external costs. It does not include any solicitor costs or fees payable to a government registry to register a release of the security
Title Change Fee (Event), Amount: 100.00. Additional Information: Payable if the Customer asks the Bank to change the title to any security property (for example as a result of a court order or by operation of law). It does not include any solicitor costs or fees payable to a government registry to register a document.