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Bank Australia Personal Loans

Bank Australia offers low interest rates and low fees. It also advertises itself as the bank Australia needs. Compare Bank Australia personal loans and estimate repayments to determine if this lender is right for your needs.

Compare Bank Australia Personal Loans

Low rate personal loans for almost any purpose

Overview

Minimum loan amount$1,000

Maximum loan amount$100,000

Minimum term (years)1 Year

Maximum term (years)10 Years

Personal loan interest rates (base)7.89%

Personal loan comparison rate8.92%

Monthly repayments (approx)$317

Total repayments (approx)$11,431

Total interest repayments (approx)$1,431

Rate typeVariable

Secured or unsecuredSecured

Encumberance/REVVS check fee$0

Application / establishment fee$150

GO TO Bank Australia

Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$15

For debt consolidation?Yes

Sponsored No

Telephone132 888

Data accurate as of6/11/2018

GO TO Bank Australia

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Low rate personal loans for almost any purpose

Overview

Minimum loan amount$1,000

Maximum loan amount$100,000

Minimum term (years)1 Year

Maximum term (years)10 Years

Personal loan interest rates (base)11.89%

Personal loan comparison rate12.94%

Monthly repayments (approx)$336

Total repayments (approx)$12,117

Total interest repayments (approx)$2,117

Rate typeVariable

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$150

GO TO Bank Australia

Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$15

For debt consolidation?Yes

Sponsored No

Telephone132 888

Data accurate as of6/11/2018

GO TO Bank Australia

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Pay ZERO fees^ on all loans with NOW Finance. That's right - no establishment fee, no monthly fees, no early payout fee on all loans between $8,000-$50,000. What's more, get your guaranteed, tailored interest rate in two minutes without impacting your credit score. ^Charges such as default or enforcement costs may apply if you do not comply with the terms of your loan. Comparison rate can vary from 5.95% to 17.95%

Overview

Minimum loan amount$8,000

Maximum loan amount$50,000

Minimum term (years)1.5 years

Maximum term (years)7 Years

Personal loan interest rates (base)5.95%

Personal loan comparison rate5.95%

Monthly repayments (approx)$303

Total repayments (approx)$10,943

Total interest repayments (approx)$943

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$0

GO TO Now Finance

Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleWeekly, Fortnightly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$35

For debt consolidation?Yes

Sponsored Yes

Telephone1300 275 669

Data accurate as of23/02/2021

GO TO Now Finance

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OurMoneyMarket offer competitive low rates on loans up to $50,000, plus free extra repayments and fee-free redraw facility.

Overview

Minimum loan amount$2,001

Maximum loan amount$50,000

Minimum term (years)1 year

Maximum term (years)7 Years

Personal loan interest rates (base)5.45%

Personal loan comparison rate6.07%

Monthly repayments (approx)$309

Total repayments (approx)$11,134

Total interest repayments (approx)$1,134

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$250

GO TO OurMoneyMarket

Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$25

For debt consolidation?Yes

Sponsored Yes

Telephone1300 990 115

Data accurate as of30/06/2021

GO TO OurMoneyMarket

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Fast and easy online application. Money can be in your account same-day. Flexible repayments with no early exit fees. Comparison interest rates from 7.64% to 13.32% p.a.

Overview

Minimum loan amount$2,100

Maximum loan amount$50,000

Minimum term (years)1 year

Maximum term (years)5 years

Personal loan interest rates (base)6.25%

Personal loan comparison rate7.64%

Monthly repayments (approx)$320

Total repayments (approx)$11,547

Total interest repayments (approx)$1,547

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$495

GO TO MoneyMe

Other Fees & Information

Monthly fee$10

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleFortnightly/Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$15

For debt consolidation?Yes

Sponsored Yes

Telephone1300 329 037

Data accurate as of03.03.2021

GO TO MoneyMe

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Minimum and maximum loan periods vary between 6 months and 10 years. Comparison interest rates vary between 6.55% and 20.89% p.a. Total interest repayments vary between $1,387 and $4,165 over the life of the loan. *Comparison rate is based on an unsecured loan of $10,000 for 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. These rates can change without further notice. All rates quoted are per annum. For more information regarding fees click on "View fees & additional info +" for each product or contact the provider.

What type of loan are you looking for?

Bank Australia personal loans – Choose better rates and fees

Bank of Australia personal loans provide you with clean funds that support your financial needs and the planet. Learn how you can tap into Bank Australia’s responsible banking services and make a difference in the world, all in the comfort of your home.

Types of Bank Australia personal loans

According to Bank Australia, a personal loan is often a better choice than a credit card if you’re planning on making fixed and regular payments. You can enjoy either of two options from Bank Australia should you decide to apply:

  • Lifestyle Personal loan. This unsecured personal loan is suitable for all sorts of situations where you need something, but cash is not readily available. It gives you the funds to make purchases or payments without saving for the full upfront amount required. The flexible minimum loan amount of $1,000 means you can also fix minor cash flow problems without borrowing more than you need. Amounts go up to $100,000 while terms cap off at 10 years. Generally, the details of the personal loan you qualify for depend on your unique circumstances.
  • Lifestyle Personal loan – Homeowner. As the name suggests, this option is targeted at property owners who want to borrow low rate funds for any purpose. Credit limits also start from as low as $1,000 up to $100,000 with a maximum loan term of 10 years.

Bank Australia also provides car loans, and it promises to offset your car’s carbon emissions during your entire term. Find out more about Bank Australia car loans and the rate discount available for this type of product.

Features of personal loans from Bank of Australia

Bank Australia personal loans have a long list of features that could make them a cut above the rest for you:

  • Fixed regular payments. Having regular repayments means there will be fewer unwanted surprises for your budget. To work out your monthly repayment, play around with our Bank Australia personal loan calculator until you find a budget-friendly amount.
  • Flexible repayment options. It’s up to you and your pay cycle to decide whether you prefer to make repayments on a weekly, fortnightly, or monthly basis.
  • Minimum fees. You pay an affordable application fee, and the good news is there are no early payout fees. However, ask for Bank Australia’s full terms and conditions plus fees and charges to make sure you’re aware of any other applicable fees.
  • Extra repayments. Bank Australia welcomes your additional repayments. What’s more, they won’t penalise you for it.
  • Redraw facility. If you’re a homeowner, you have the added advantage of availing yourself of previous repayments when you need to.

Bank Australia personal loan uses

Personal loans from Bank Australia are available for a variety of reasons, including:

  • Debt consolidation
  • Weddings
  • Holiday and travel
  • Dental bills
  • Educational expenses

How to apply for Bank Australia personal loans

Make your online application for a Bank Australia personal loan by clicking “Go to Site” in our product table. Before you sign up for your chosen option, ensure that you’re at least 18 years of age and an Australian permanent resident. You’ll also need details of your:

  • Income and employment – both gross and net salary plus any supplementary income such as from shares or rental property
  • Assets – estimated values of property, vehicles, and other assets
  • Liabilities – for instance, credit balances, repayment amounts, and credit limits
  • Identity – if you’re not a Bank Australia customer, you need to provide a driver’s licence, passport, or suitable ID to have your identity verified online

While you’re still here, you can also check out other options and lenders on the Australian market to see how Bank Australia credit products compare.

What makes Bank Australia different?

There are more Bank Australia financial products to benefit from, including credit cards, savings accounts, home loans, and insurance products. But that’s not the most interesting thing about this credit provider. It’s Australia’s first customer-owned bank with a green agenda.

Bank Australia uses its banking tools responsibly by not investing in the fossil fuel industry. The bank also partly owns a Conversation Reserve and runs on 100% renewable electricity, among other impressive achievements and initiatives.

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