Bank of us Product Details

Personal Loan

With low interest rates, fast approval and flexible repayment options, you can?t go past a Bank of us personal loan. From amounts as little as $3,000, our personal loans are straightforward and super

Category: Personal Loans Last Updated June 3, 2026 Effective August 22, 2026

General Lending Rates

Rates listed below are for a VARIABLE INVESTMENT P&I product. Additional Information SAVVY SWITCH - SECURED PERSONAL LOAN

Interest Rate
6.49% PA

Comparison Rate
6.77%PA*

Comparison Warning: The comparison rate is calculated on a secured loan of $150,000 with a term of 25 years with monthly principal and interest payments. The comparison rate is true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Fees and Charges apply and are listed below. Your Results: Results are indicative only and may not apply to your borrowing requirements. Results will vary after a consulation.

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 vary based on the LVR and other conditions.

Product Features

Redraw Additional Information: If your loan is in advance then redraw is available. Redraw is available same day without fees.

Digital Banking

Extra Repayments

Npp Enabled

Product Eligibility

Min Age - 18.

Residency Status Additional Information: Should be a citizen or permanent resident of Australia. Temporary residents may be eligible if holders of an acceptable employer supported visa.

Natural Person

Bank Fees and Charges

Personal Loan Application Fee (Upfront), Amount: Not Listed..

Special Attendance Fee (Event), Amount: Not Listed.. Additional Information: per attendance plus any amounts incurred by us in attending such requests, such as valuation fees, mortgage insurance premium, lender s risk and processing fee, legal costs, document custodian charges, titles office fees and electronic processing fees all of which are unascertainable at the disclosure date.

Arrears Fee (Event), Amount: Not Listed.. Additional Information: Payable in each instance you are in default under this contract. This fee will be debited to your loan account on the next business day.

Evidence Retrieval Fee (Event), Amount: Not Listed.. Additional Information: Applies where you request us to retrieve the paper item or evidence supporting a transaction. The fee is debited to your account when the required documentation is provided to you. Please note that the fee is not applicable where evidence shows that you did not initiate the transaction.

Cheque Dishonour (inward) Fee (Event), Amount: Not Listed.. Additional Information: Applies where a cheque paid into your account with us is dishonoured. The fee is debited to your account on the date of dishonour.

Duplicate Statement Fee (Event), Amount: Not Listed.. Additional Information: Payable for each duplicate paper copy of your monthly statement you request. Charged at the time of your request.

Limitations & Restrictions (Constraints)

Max Balance of 80000.00

Min Balance of 3000.00

Document Downloads

consumer-standard-terms-and-conditions.pdf (1.0 MB)

fees-and-charges-schedule-1-july-2021.pdf (273.1 KB)

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