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Term of personal loan

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Personal Loans

Fixed Personal Loan

Our fixed rate Personal Loan gives you certainty that your repayments won't change if interest rates go up, giving you some peace of mind when it comes to your budget.

Overview

Minimum loan amount$5,000

Maximum loan amount$35,000

Minimum term (years)1 Year

Maximum term (years)5 Years

Advertised rate9.99%

Comparison rate10.27%

Monthly repayments (approx)$328

Total repayments (approx)$11,841

Total interest repayments (approx)$1,841

Rate typeFixed

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$0

Application / establishment fee$195

Other Fees & Information

Monthly fee$0

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$25

For debt consolidation?Yes

Sponsored Yes

Telephone1300 13 14 65

Data accurate as of5/04/2017

Comparison rate warning Comparison rate is calculated on an unsecured loan amount of $30,000 over 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.

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Discount Rate Personal Loan

Our competitive interest rates and easy payment options can help make your dream a reality.

Overview

Minimum loan amount$1,000

Maximum loan amount$750,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate10.99%

Comparison rate11.25%

Monthly repayments (approx)$332

Total repayments (approx)$11,961

Total interest repayments (approx)$1,961

Rate typeVariable

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$0

Application / establishment fee$150

Other Fees & Information

Monthly fee$0

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$0

For debt consolidation?Yes

Sponsored Yes

Telephone13 77 28

Data accurate as of9/04/2016

Comparison rate warning WARNING: This comparison rate applies only to the example above. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is calculated based on a loan amount of $25,000 over a 5 year term. Terms and conditions are available on request. Fees and charges are payable. Normal lending criteria applies.

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Personal Loan Secured

Our Secured Personal Loans can help you live your dreams sooner than you thought possible. Borrow with a team you trust and take advantage of our flexible and easy personal loans

Overview

Minimum loan amount$1,000

Maximum loan amount$100,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate12.49%

Comparison rate12.76%

Monthly repayments (approx)$339

Total repayments (approx)$12,222

Total interest repayments (approx)$2,222

Rate typeVariable

Secured or unsecuredSecured

Security required Yes

Encumberance/REVVS check fee$15

Application / establishment fee$150

Other Fees & Information

Monthly fee$0

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$0

For debt consolidation?No

Sponsored Yes

Telephone1300 622 278

Data accurate as of11/04/2016

Comparison rate warning Comparison rates quoted are based on $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.

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Secured Personal Loan

Perfect for buying a new or used vehicle, or to refinance an existing car loan.

Overview

Minimum loan amount$2,000

Maximum loan amount$100,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate7.79%

Comparison rate8.64%

Monthly repayments (approx)$317

Total repayments (approx)$11,420

Total interest repayments (approx)$1,420

Rate typeFixed

Secured or unsecuredSecured

Security required Yes

Encumberance/REVVS check fee$16

Application / establishment fee$150

Other Fees & Information

Monthly fee$5

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$20

Missed payment fee$30

For debt consolidation?Yes

Sponsored Yes

Telephone1300 236 344

Data accurate as of4/04/2017

Comparison rate warning The comparison rates displayed are calculated for secured personal loans with a loan amount of $30,000 and a term of 5 years, for unsecured personal loans the loan amount is $10,000 with 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.

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No Fee Personal Loan

A No Fee Personal Loan offers an attractive fixed interest rate, so your repayments stay the same for the life of the loan. Relax and budget with confidence.

Overview

Minimum loan amount$10,000

Maximum loan amountNo maximum

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate8.89%

Comparison rate8.89%

Monthly repayments (approx)$317

Total repayments (approx)$11,429

Total interest repayments (approx)$1,429

Rate typeFixed

Secured or unsecuredSecured

Security required Yes

Encumberance/REVVS check fee$0

Application / establishment fee$0

Other Fees & Information

Monthly fee$0

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$20

For debt consolidation?No

Sponsored Yes

Telephone13 25 85

Data accurate as of5/04/2017

Comparison rate warning The comparison rates are calculated for a secured loan of $30,000 with monthly repayments over a term of five years. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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Lifestyle Personal Loan - Property Owner

Low rate personal loans for almost any purpose

Overview

Minimum loan amount$1,000

Maximum loan amountNo maximum

Minimum term (years)1 Year

Maximum term (years)10 Years

Advertised rate7.89%

Comparison rate8.92%

Monthly repayments (approx)$317

Total repayments (approx)$11,431

Total interest repayments (approx)$1,431

Rate typeVariable

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$0

Application / establishment fee$150

Other Fees & Information

Monthly fee$0

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$0

For debt consolidation?Yes

Sponsored Yes

Telephone132 888

Data accurate as of4/04/2017

Comparison rate warning The Comparison Rate is based on a unsecured loan of $10,000 for 3 years. Fees and charges may be applicable. 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.

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Freedom Loan - Unsecured

A bcu Freedom personal loan makes getting your finances in order this year, easy

Overview

Minimum loan amount$4,000

Maximum loan amount$75,000

Minimum term (years)1 Year

Maximum term (years)5 Years

Advertised rate8.94%

Comparison rate10.00%

Monthly repayments (approx)$325

Total repayments (approx)$11,733

Total interest repayments (approx)$1,733

Rate typeVariable

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$0

Application / establishment fee$250

Other Fees & Information

Monthly fee$8

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$25

For debt consolidation?Yes

Sponsored No

Telephone1300 228 228

Data accurate as of4/04/2017

Comparison rate warning Comparison Rate calculated on a loan amount of $30,000 over a term of 5 years based on monthly repayments. Rates quoted may vary depending on loan purpose and security offered. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different Comparison Rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the Comparison Rate but may influence the cost of the loan. A Comparison Rate Schedule for a wider range of loan types, amounts and terms is also available.

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HSBC Personal Loan

Whatever you have in mind, you could make it happen with an HSBC Personal Loan. Enjoy a fixed interest rate for the life of the loan.

Overview

Minimum loan amount$5,000

Maximum loan amount$50,000

Minimum term (years)1 Year

Maximum term (years)5 Years

Advertised rate9.50%

Comparison rate10.06%

Monthly repayments (approx)$325

Total repayments (approx)$11,710

Total interest repayments (approx)$1,710

Rate typeFixed

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$0

Application / establishment fee$150

Other Fees & Information

Monthly fee$5

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$199

Missed payment fee$30

For debt consolidation?Yes

Sponsored No

Telephone1300 308 280

Data accurate as of6/04/2017

Comparison rate warning The comparison rate is based on an unsecured loan of $30,000 over the 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.

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Personal Loan Fixed Rate

You can borrow for any worthwhile purpose from the latest in big ticket electronics, white goods and household items to holidays, cars, boats and bikes.

Overview

Minimum loan amount$1,000

Maximum loan amount$100,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate9.99%

Comparison rate10.13%

Monthly repayments (approx)$325

Total repayments (approx)$11,728

Total interest repayments (approx)$1,728

Rate typeFixed

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$0

Application / establishment fee$98

Other Fees & Information

Monthly fee$0

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$9

For debt consolidation?No

Sponsored No

Telephone131 728

Data accurate as of9/04/2016

Comparison rate warning The comparison rate is based on a loan of $30,000 over a 5 year term. 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.

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Covered Unsecured Personal Loan

Our Epic Personal Loan combines the benefits of a low rate, with something we hope you’ll never need, Loan Protection Insurance.

Overview

Minimum loan amount$1,000

Maximum loan amount$50,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate9.95%

Comparison rate10.17%

Monthly repayments (approx)$327

Total repayments (approx)$11,781

Total interest repayments (approx)$1,781

Rate typeVariable

Secured or unsecuredSecured

Security required Yes

Encumberance/REVVS check fee$0

Application / establishment fee$150

Other Fees & Information

Monthly fee$0

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$0

For debt consolidation?No

Sponsored No

Telephone1800 383 791

Data accurate as of5/04/2017

Comparison rate warning Comparison rate based on $30,000 over 5 years. These rates are for secured loans. Warning: Comparison rates apply only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or cost savings such as fee discounts and waivers, are not included in the comparison rate but may influence the cost of the loan. Rates are subject to change, terms and conditions apply and are available on application. Fees and charges apply.

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Fixed Interest Personal Loan

Provides you with the peace of mind that comes from knowing that your rates and repayments remain the same for a fixed period of up to 3 years.

Overview

Minimum loan amount$1,000

Maximum loan amountNo maximum

Minimum term (years)1 Year

Maximum term (years)3 Years

Advertised rate9.99%

Comparison rate10.24%

Monthly repayments (approx)$328

Total repayments (approx)$11,817

Total interest repayments (approx)$1,817

Rate typeFixed

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$0

Application / establishment fee$175

Other Fees & Information

Monthly fee$0

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$0

For debt consolidation?No

Sponsored No

Telephone1300 855 675

Data accurate as of5/04/2017

Comparison rate warning Comparison rates are calculated on a loan amount of $30,000 over 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.

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Eco Loan (Unprotected)

Competitively priced, flexible personal loan for environmentally friendly purposes. Receive a discounted interest rate, discounted loan establishment fee, no monthly loan fees and Summerland will make a donation to a local, environmentally focused organisation.

Overview

Minimum loan amount$3,000

Maximum loan amountNo maximum

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate10.05%

Comparison rate10.24%

Monthly repayments (approx)$327

Total repayments (approx)$11,775

Total interest repayments (approx)$1,775

Rate typeVariable

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$0

Application / establishment fee$130

Other Fees & Information

Monthly fee$0

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$0

For debt consolidation?No

Sponsored No

Telephone1300 802 222

Data accurate as of11/04/2016

Comparison rate warning The comparison rate is based on a secured loan of $30,000 over 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.

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Home Improvement Loan

This loan is suitable for home improvements including sustainable renovations like solar panels, double glazed windows,external awnings, insulation, rain water tanks and other environmentally friendly improvements to your home.

Overview

Minimum loan amount$5,000

Maximum loan amount$60,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate9.95%

Comparison rate10.27%

Monthly repayments (approx)$328

Total repayments (approx)$11,833

Total interest repayments (approx)$1,833

Rate typeVariable

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$25

Application / establishment fee$195

Other Fees & Information

Monthly fee$0

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$25

For debt consolidation?Yes

Sponsored No

Telephone1300 361 555

Data accurate as of5/04/2017

Comparison rate warning Comparison rates are based on a secured loan amount of $30,000 over a term of 5 years. WARNING: These comparison rates are 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.

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Yes Personal Loan

A multi-purpose secured personal loan which gives you the choice to use the funds for almost anything, including consolidating your debt, your next holiday or a new car!

Overview

Minimum loan amount$1,000

Maximum loan amount$50,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate9.95%

Comparison rate10.31%

Monthly repayments (approx)$327

Total repayments (approx)$11,781

Total interest repayments (approx)$1,781

Rate typeVariable

Secured or unsecuredSecured

Security required Yes

Encumberance/REVVS check fee$0

Application / establishment fee$150

Other Fees & Information

Monthly fee$0

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$0

For debt consolidation?No

Sponsored No

Telephone1800 383 791

Data accurate as of5/04/2017

Comparison rate warning Comparison rate based on $30,000 over 5 years. These rates are for secured loans. Warning: Comparison rates apply only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or cost savings such as fee discounts and waivers, are not included in the comparison rate but may influence the cost of the loan. Rates are subject to change, terms and conditions apply and are available on application. Fees and charges apply.

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Personal Loan

Borrow from $2,001 up to $45,000. Terms from 6 months to 5 years, no early repayment fees.

Overview

Minimum loan amount$2,001

Maximum loan amount$45,000

Minimum term (years)6 months

Maximum term (years)5 Years

Advertised rate8.60%

Comparison rate10.40%

Monthly repayments (approx)$321

Total repayments (approx)$11,557

Total interest repayments (approx)$1,557

Rate typeFixed

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$0

Application / establishment fee$150

Other Fees & Information

Monthly fee$5

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleMonthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$30

For debt consolidation?No

Sponsored No

Telephone1300 768 710

Data accurate as of9/04/2016

Comparison rate warning WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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Tips for comparing personal loans

Looking to make major purchase, go on a holiday or perhaps to consolidate your existing debts into one simple regular repayment? When comparing personal loans, there are other important things to consider and understand, other than just the interest rate.

Are you eligible for a personal loan?

Before you apply for a personal loan, be sure to understand and meet the financial institution’s lending criteria. Below are examples of what may be included in the lending criteria:

  • Minimum age. 18 to 21 is a standard range
  • A verifiable and steady employment. Often you will be required to provide copies of your most recent pay slips
  • A good credit history. For example, no recent defaults and no frequent requests for credit
  • Most lenders require you to be an Australian citizen or permanent resident
  • Credit cards with large credit limits are seen as liabilities, even if there’s nothing owing. If you have existing liabilities, be certain you can pay them off in addition to any new liability

There are many additional factors banks consider when accessing your application, but the above are the most important. If you feel like you may not meet the banks eligibility criteria, it may be best to save!

What can you use a personal loan for?

Lenders will allow you to borrow for almost any worthwhile purpose. No, going to the casino and putting it all on black is not a worthwhile purpose. When comparing loans, use our “loan purpose” filter to find providers that could best suit your needs. Examples include:

How much and how long can you take out a personal loan for?

Minimum and maximum loan amounts vary between $1,000 and $100,000+. Loan terms vary from 6 months to 10 years. Though the exact number varies between lenders, your eligibility and whether you secure the loan.

What’s the difference between secured and unsecured loans?

Secured personal loans use an asset you own as collateral. If you are unable to repay the loan, the lender can then repossess and sell the asset to recoup some or all of the losses from the unpaid loan. If you own a car, property, term deposit or some other valuable asset, you will likely be offered a lower interest rate in exchange for offering it as collateral. You could potentially borrow a larger sum of money if you offer security and the meet the lending criteria.

Unsecured personal loans are loans where you do not put up an asset as collateral. Unsecured loans are higher risk for the lenders, because if you default on the loan, there’s a reduced possibly to recoup the loan. These types of loans come with a higher interest rate, because it reflects the greater risk

What’s the deal with fixed and variable interest rates?

Sometimes, nothing. Though other of the times, it impacts the maximum term of loan, the maximum amount you can borrow, the interest rate and whether the loan includes a redraw facility or allows you to repay early without incurring a penalty fee.

Fixed interest rates will not change over the life of the loan, which makes it easier to budget. By agreeing to a fixed interest rate for the life of the loan, there is no risk that you will miss payments because the interest rate increases. On the flipside, if there is an interest rate cut in the future, you will miss out on any possible savings. Some lenders may not include a redraw facility on fixed rate loans or will include an early repayment fee.

Variable interest rates may rise and fall throughout the life of your loan. This could potentially mean that you will save money in the future if interest rates fall, but if interest rates rise in the future could become difficult to continue to meet the monthly premiums. Variable interest rate personal loans tend to be more flexible for payment terms than fixed rate loans, which gives you more options to manage your finances and tailor your payments to work for you.

What is a peer-to-peer loan?

Peer-to-peer loans have been popular in the UK and the United States for nearly a decade, but are a recent addition to the Australian financial scene. Peer-to-peer lenders give borrowers the opportunity to borrow directly from lenders or investors and bypass traditional lending institutions such as banks and credit unions.

Peer-to-peer lenders can reward individuals with good credit scores by providing loans with a lower interest rate, to reflect the lower risk. However, peer-to-peer lenders may not offer the same flexibility as a bank or credit union. For example, they may not offer the ability to repay the loan weekly or fortnightly or may not have a redraw facility.

What else should you keep in mind when choosing a loan?

When choosing a loan, the interest rate and repayment schedule are not the only important items to consider. Many lending institutions charge fees in addition to interest and hidden fees can surprise even experienced borrowers.

Comfortable repayment schedule

Most lenders allow weekly, fortnightly or monthly repayment. But not all of them, consider a provider that can make withdrawals, based on your pay cycle.

Extra repayment or early penalties

Consider loans that do not penalise you for making additional payments or paying off the loan early. These fees can range anywhere from $0 to $700, depending on how far into the loan you are.

Redraw facility

If you are making additional payments on your loans, but something comes up and you wish you could take that payment back, luckily some loans offer the ability to redraw those payments (as long as you are paid ahead of schedule according to the repayment plan), which can help offer peace of mind to know that if something comes up. Redraw limits and fees apply to some institutions.

Comparison rates

A comparison rate is a term used to describe the actual cost of borrowing, once you include all the application, establishment and recurring fees. In Australia, it is a legal requirement that comparison rates are based on scenarios (i.e. $10,000 over 3 years, or $30,000 over 5 years). The scenarios are found in the disclaimers. It’s important to note, that a 10% comparison rate over 3 years, will not have the same monthly repayment as a 10% comparison rate over 5 years (the 5 year comparison rate is likely to be more expansive), so be sure to read the disclaimer!