Features Unsecured Personal Loan Secured Personal Loan Get Set Loan Unsecured Personal Overdraft
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Suitable for... A holiday, household purchase or consolidating debt A new or used car Access to money as you need it Prepare for the unexpected
Interest rates p.a. p.a. p.a. p.a.

Variable interest rate

 12.99%1 ^ 12.74%1 17.00%4 14.99% p.a.*

Comparison rate

 14.06%2 13.81%3 N/A N/A

Fixed interest rate

 See unsecured fixed rates ^ See secured fixed rates N/A N/A
Loan terms available        
Variable 1 - 7 years 1 - 7 years Ongoing line of credit Ongoing line of credit
Fixed terms 1 - 5 years 1 - 5 years N/A N/A
Loan amounts        
Minimum $2,000 $3,000 $5,000 $500
Maximum $40,000 $80,000 $50,000 $20,000
Fees        
Establishment fee $195 $195 $150 $0
Monthly administration fee $12 $12 $12 $5
Fees on early repayments Break costs may be payable on a fixed rate personal loan. View details Break costs may be payable on a fixed rate personal loan. View details N/A N/A
Features        
Redraw Variable rate loans only5 Variable rate loans only5    
Optional Visa ® Debit card6        
Optional Cheque book6        
Repayments        
Frequency Weekly, fortnightly or monthly Weekly, fortnightly or monthly $50 or 1.25% of the outstanding balance plus the monthly interest charge and administration fee (whichever is higher) Repayments on demand. Overlimit amounts repayable immediately
Loan insurance available (Consumer Credit Insurance)        
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Important information

Credit criteria, terms and conditions, fees and charges apply.

1. For new loans approved on or after 7 June 2017.

2. The comparison rate is based on an Unsecured Personal Loan of $30,000 for a term of 5 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.

3. The comparison rate is based on a Secured Personal Loan of $30,000 for a term of 5 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.

4. For new Get Set Loans approved from 16 March 2015

5. All redraw requests are subject to Bank approval. Minimum redraw amount is $500 and a fee applies to each redraw request.

6. Not available for Get Set Loans approved after 16 March 2015.

Visa ® is a Registered trademark of Visa Worldwide PTe Limited.

* Interest rate applicable to new loans approved on or after 22 November 2015.

^ 1% p.a. interest rate discount offer: Offer open to all customers who complete an application for a new fixed or variable rate Unsecured Personal Loan via the 'Apply now' or 'Get started' application button on this page or by phone or visiting a branch. Offer ends 30 April 2018. All other fees and charges outlined on the product page and in the product disclosure statement apply.