Product Library

Enviro Loan

Get rewarded for making green purchases and improvements to your home with a low interest rate, great features and no monthly service fees or charges.

Category: Personal Loans Last Updated April 30, 2026 Effective June 22, 2026

General Lending Rates

Rates listed below are for a VARIABLE product. Additional Information Interest rates are per annum. The Comparison rate is calculated on a unsecured loan amount of $10,000 over a term of 3 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Interest Rate
7.20% PA

Comparison Rate
8.54%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 Features

Other Additional Information: Ability to make extra payments or repay the loan in full early at no cost.

Other Additional Information: No Monthly Service Fee

Other Additional Information: Flexible repayment options give you the ability to make repayments Weekly, Fortnightly, or Monthly.

Redraw Additional Information: Redraw is available at no cost enabling you to save for future expense by paying extra to your loan. A minimum redraw amount of $200 applies.

Digital Banking Additional Information: Bank 24/7 wherever you are and whenever you want with RAB mobile and internet banking.

Product Eligibility

Residency Status - Australian Resident. Additional Information: Individuals must be citizens or permanent residents of Australia.

Employment Status - Ongoing Employment. Additional Information: Borrowers must demonstrate at least 6 months continuing employment history at the time of application.

Other Additional Information: Loan purpose is to make a sustainable and environmentally friendly purchase for home improvements.

Other Additional Information: Product is available to approved borrowers only. Terms, conditions, fees, charges and normal lending criteria apply.

Other Additional Information: As a customer-owned bank, customers must also become a shareholder of Regional Australia Bank to be eligible to open an account.

Min Age - 18. Additional Information: Borrowers must be aged 18 years, however, 16 or older can apply with an adult over 18 years as co-applicant or guarantor.

Bank Fees and Charges

Ppsr Check Fee (Event), Amount: 26.00. Additional Information: Applies when PPSR check is required

Approval Fee (Upfront), Amount: 195.00. Additional Information: Applied on approval of your Personal or Car loan, prior to the initial drawdown.

Monthly Service Fee (Periodic), Amount: 0.00.

Limitations & Restrictions (Constraints)

Min Limit of 500.00 Additional Information: A minimum loan amount of $500 applies to this product.

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