Secured Fixed Personal Loan

General Lending Rates

Product Variations

Product Features

• Other Additional Information: Various Loan Purposes - Our Secured Personal Loan can be used for a variety of other purposes by offering an eligible car as security for the loan.

• Other Additional Information: Flexible repayment options. Choose weekly or fortnightly to save on interest

• Other Additional Information: Borrow between $10K - $130K - Choose a loan amount to suit your needs.

• Other Additional Information: Help to cover the extras - You may be able to borrow a little more to cover other expenses, such as insurance, registration and optional extras.

• Digital Banking Additional Information: Internet banking access : Manage your loan and track your repayments online or through your mobile banking app.

• Extra Repayments Additional Information: The product has EXTRA_REPAYMENTS option available.

• Fraud Protection Additional Information: The product includes FRAUD_PROTECTION features.

• Relationship Management Additional Information: RELATIONSHIP_MANAGEMENT is available for eligible customers.

• Other Additional Information: Internet and Phone banking : Includes the Security, Stopping or altering payments, Scheduled transactions and payments , Other transactions and payments, Faults and service difficulties

• Other Additional Information: $125 off the establishment fee with a BankSA Car Loan - You could save $125 off the lending establishment fee(normally $250) when you're approved and accept your Car Loan by 12 July 2025. Existing BankSA customers only. Eligibility credit criteria terms and conditions and other fees apply. Offer excludes Unsecured Personal Loans. Approved contracts must be accepted before 12 July 2025.

Product Eligibility

• Min Age - 18. Additional Information: Be 18 years or older and hold a current Australian driver licence or learner's permit

• Residency Status - You Have Permanent Residency In Australia/nz Or You're A Non-resident Or Migrant And Hold An Acceptable Visa, With A Minimum 1 Year Before Expiry.

• Other Additional Information: Be a non-resident or migrant and hold an�acceptable visa with a minimum 1 year before expiry

• Other Additional Information: Have a fixed, verifiable Australian address

• Other Additional Information: Receive a regular, verifiable Australian taxable income

• Other Additional Information: To qualify for a lower personalised interest rate on a Secured Personal Loan, applicant must meet our credit criteria.

Bank Fees and Charges

• Lending Establishment Fee (Upfront), Amount: 250.00. Additional Information: Lending establishment fee (added to your loan amount). Excludes all government charges such as stamp duty, search fees, fees to register security interest with the Personal Property Securities Register

• Monthly Loan Account Fee (Periodic), Amount: 12.00.

• Loan Discharge Fee - Within 12 Months (Exit), Amount: 150.00. Additional Information: Loan discharge fee if you fully repay the loan within the first 12 months

• Loan Discharge Fee - After 12 Months (Exit), Amount: 100.00. Additional Information: Loan discharge fees if you fully repay the loan after the first 12 months and before the end of the loan term

• Ppsr Fee (Event), Amount: 6.00. Additional Information: A Government fee, charged by the Personal Property Securities Register

• Missed Payment Fee (Event), Amount: 15.00. Additional Information: Payable when we send you an arrears letter relating to an overdue amount.

• Processing Fee (Transaction), Amount: 3.00. Additional Information: Payable each time you make any repayment on your loan over the counter in a branch or by cash or cheque

 Limitations & Restrictions (Constraints)

• Min Limit of 10000.00 Additional Information: The minimum amount financed is $10000

• Max Limit of 130000.00 Additional Information: The minimum amount financed is $130,000

Document Downloads

  bsa-personalloanterms.pdf (375.8 KB)
  bsa-loansfees.pdf (314.4 KB)
  bsa-acceptable-visas-upl.pdf (1.7 MB)