BankSA Personal Loan Rates & Fees, Review & Compare - Best Find

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Personal loan amount

Term of personal loan

Features

Loan purpose

Personal loan provider

Banksa Personal Loans

Secured Personal Loan - Variable

Bring your next dream purchase a little closer with a Secured Personal Loan.

Overview

Minimum loan amount$3,000

Maximum loan amount$80,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate12.47%

Comparison rate13.62%

Monthly repayments (approx)$341

Total repayments (approx)$12,283

Total interest repayments (approx)$2,283

Rate typeFixed

Secured or unsecuredSecured

Security required Yes

Encumberance/REVVS check fee$0

Application / establishment fee$195

Other Fees & Information

Monthly fee$9

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$150

Missed payment fee$9

For debt consolidation?Yes

Sponsored No

Telephone13 13 76

Data accurate as of4/04/2017

Comparison rate warning The comparison rate for Secured Personal Loan is based on a secured loan 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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Unsecured Personal Loan - Fixed

Whether you want predictable repayments or the flexibility to repay more, you can tailor our Unsecured Personal Loan how you want it.

Overview

Minimum loan amount$3,000

Maximum loan amount$40,000

Minimum term (years)1 Year

Maximum term (years)5 Years

Advertised rate12.99%

Comparison rate13.87%

Monthly repayments (approx)$343

Total repayments (approx)$12,375

Total interest repayments (approx)$2,375

Rate typeFixed

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$0

Application / establishment fee$195

Other Fees & Information

Monthly fee$9

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$150

Missed payment fee$9

For debt consolidation?Yes

Sponsored No

Telephone13 13 76

Data accurate as of4/04/2017

Comparison rate warning 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.

Hide info ˄

Unsecured Personal Loan - Variable

Whether you want predictable repayments or the flexibility to repay more, you can tailor our Unsecured Personal Loan how you want it.

Overview

Minimum loan amount$3,000

Maximum loan amount$40,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate12.99%

Comparison rate13.87%

Monthly repayments (approx)$343

Total repayments (approx)$12,375

Total interest repayments (approx)$2,375

Rate typeVariable

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$0

Application / establishment fee$195

Other Fees & Information

Monthly fee$9

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$150

Missed payment fee$9

For debt consolidation?Yes

Sponsored No

Telephone13 13 76

Data accurate as of4/04/2017

Comparison rate warning 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.

Hide info ˄

Secured Personal Loan - Fixed

Bring your next dream purchase a little closer with a Secured Personal Loan.

Overview

Minimum loan amount$3,000

Maximum loan amount$80,000

Minimum term (years)1 Year

Maximum term (years)5 Years

Advertised rate8.49%

Comparison rate9.39%

Monthly repayments (approx)$322

Total repayments (approx)$11,594

Total interest repayments (approx)$1,594

Rate typeFixed

Secured or unsecuredSecured

Security required Yes

Encumberance/REVVS check fee$0

Application / establishment fee$195

Other Fees & Information

Monthly fee$9

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$150

Missed payment fee$9

For debt consolidation?Yes

Sponsored No

Telephone13 13 76

Data accurate as of4/04/2017

Comparison rate warning The comparison rate for Secured Personal Loan is based on a secured loan 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.

Hide info ˄

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Did you know you can compare 100’s of personal loans? Browse, filter and on our main personal loans comparison page.

Compare and review BankSA personal loan rates

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

What personal loan options does BankSA offer?

BankSA has 4 personal loan products:

  • BankSA Secured Personal Loan – Variable Rate
  • BankSA Unsecured Personal Loan – Variable Rate
  • BankSA Secured Personal Loan – Fixed Rate
  • BankSA Unsecured Personal Loan – Fixed Rate

 

View the above table for detailed product information and a comparison of the interest rates, fees and features.

You can also review and compare BankSA car loans, BankSA home loan and BankSA credit cards.

Do you have a BankSA personal loans calculator?

Yes. Use the filter to adjust your loan amount and term to calculate your approximate monthly repayments. When you apply the filter, you will see a breakdown of your approximate monthly repayments as well as the total amount of interest and fees paid.

How to apply for a BankSA Personal Loan?

If you’d like to apply online for an BankSA personal loan, just scroll up and click on “Learn more” to be taken to BankSA’s secure online application form. Before you apply, be sure to learn about BankSA’s personal products, fees and eligibility criteria. Give yourself around 30 minutes to complete the application.

BankSA’s personal loan eligibility criteria

Before you apply for a personal loan, be sure to understand and meet the BankSA’s lending criteria. Below is high-level overview of BankSA’s criteria:

BankSA’s minimum requirements for a personal loan

  • Minimum age of 18
  • Earn a minimum of $15,000 per annum
  • An Australian citizen, permanent resident or have a valid visa

Information you’ll need to provide

Whether at the BankSA branch or online, make sure to have the following nearby:

  • Proof of income. A verifiable and steady employment. You may be required to provide copies of your most recent pay slips and employer’s contact information
  • A list of your assets, expenses and liabilities
  • Driver’s licence (if you have one) or other forms of ID

Are you self-employed?

If you’re self-employed, you will also need to provide:

  • Financial statements for the last year
  • Your most recent personal/business tax return

Other things to keeping mind when applying with BankSA

  • It’s advantageous to have a good credit history. For example, you have no recent defaults and no frequent requests for credit
  • 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 your BankSA personal loan

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

What can you use a BankSA personal loan for?

You can borrow for almost any worthwhile purpose. No, going to the casino and putting it all on black is not a worthwhile purpose.

Examples of common loan purpose BankSA will lend for:

 

Additional product information

BankSA’s minimum and maximum personal loan amounts and terms

You can borrow between $3,000 and $80,000. Over terms between 1 year and 7 years. Use our filter as a repayment calculator to see your monthly repayments and rates.

BankSA’s repayment schedule

BankSA allow weekly, fortnightly or monthly repayment.

Extra repayment or early penalties

BankSA allows you to make additional or early repayments. There are fees associated with completely repaying your loan off early.

Redraw facility

BankSA’s Variable Rate Personal Loan gives you the option of being able to make redraws.