With our Personal Loan product, you can consolidate debt, purchase a car, pay for a wedding, pay for education expenses, pay for a holiday, pay for renovation cost and more.
Category: Personal Loans Last Updated April 15, 2024 Effective May 3, 2024
General Lending Rates
Rates listed below are for a FIXED P&I product. Additional Information This is a fixed flat rate product
Interest Rate 12.99% PA
Comparison Rate 13.54%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, 12.99%
Lending Rate Type: Fixed
Interest Rate: 12.99%, Comparison Rate 13.54%
Repayment Type: Principal And Interest
Loan Purpose:
, FIXED, 12.99%
Lending Rate Type: Fixed
Interest Rate: 12.99%, Comparison Rate 13.54%
Repayment Type: Principal And Interest
Loan Purpose:
, FIXED, 12.99%
Lending Rate Type: Fixed
Interest Rate: 12.99%, Comparison Rate 13.54%
Repayment Type: Principal And Interest
Loan Purpose:
, FIXED, 12.99%
Lending Rate Type: Fixed
Interest Rate: 12.99%, Comparison Rate 13.54%
Repayment Type: Principal And Interest
Loan Purpose:
, FIXED, 12.99%
Lending Rate Type: Fixed
Interest Rate: 12.99%, Comparison Rate 13.54%
Repayment Type: Principal And Interest
Loan Purpose:
, FIXED, 12.99%
Lending Rate Type: Fixed
Interest Rate: 12.99%, Comparison Rate 13.54%
Repayment Type: Principal And Interest
Loan Purpose:
, FIXED, 12.99%
Lending Rate Type: Fixed
Interest Rate: 12.99%, Comparison Rate 13.54%
Repayment Type: Principal And Interest
Loan Purpose:
, FIXED, 12.99%
Lending Rate Type: Fixed
Interest Rate: 12.99%, Comparison Rate 13.54%
Repayment Type: Principal And Interest
Loan Purpose:
Product Features
Digital BankingAdditional Information: View your account, balances, recent transactions and statements via Online Banking or Mobile Banking App
Extra RepaymentsAdditional Information: You can make extra repayments at any time which will save on interest and pay off the loan faster. Fees may apply if loan term is more than 6 months
OtherAdditional Information: Fixed Monthly Repayments allows certainty of repayments over the loan term
OtherAdditional Information: Flexible loan terms from 1 - 5 years
OtherAdditional Information: Unsecured Loan which does not require any type of security
Product Eligibility
Natural PersonAdditional Information: Be an Individual
Min Income - 40000.00. Additional Information: You will be required to earn an income of at least $40,000 p.a.
Residency Status - Australian Resident.
Min Age - 18. Additional Information: Individual must be 18 or over
OtherAdditional Information: Have a good credit rating
Bank Fees and Charges
Establishment Fee (Upfront), Amount: 150.00. Additional Information: A one off establishment fee cost is charged for setting up the personal loan
Early Termination Fee (Exit), Amount: 199.00. Additional Information: Early termination fee is charged when a personal loan gets paid out early, the fee does not apply in the last 6 months of the loan term.
Dishonour Fee (Event), Amount: 5.00. Additional Information: Fee is charged if a payment made to us is dishonoured, including cheques or direct debit payments
Late Payment Fee (Event), Amount: 30.00. Additional Information: Fee is charged if you do not make a full repayment of the amount due within 3 days of the due date.
Limitations & Restrictions (Constraints)
Min Limit of 5000.00 Additional Information: The minimum loan amount that can be borrowed is 5000.00
Max Limit of 50000.00 Additional Information: The maximum loan amount that can be borrowed is 50000.00
