Bendigo Bank Personal Loan Rates & Fees, Review & Compare - Best Find

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Bendigo Bank Personal Loans

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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Unsecured Personal Loan

Perfect for your dream holiday or any number of needs where you don't offer security.

Overview

Minimum loan amount$2,000

Maximum loan amount$100,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate12.79%

Comparison rate14.89%

Monthly repayments (approx)$341

Total repayments (approx)$12,281

Total interest repayments (approx)$2,281

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 facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$20

Missed payment fee$30

For debt consolidation?Yes

Sponsored No

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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Green Secured Personal Loan

A Green Personal Loan rewards you for your environmentally friendly purchases. With a secured personal loan option, suitable for ‘A’ rated vehicles emitting less than 130g of CO2 per kilometre or an unsecured personal loan for solar, hot water, grey water treatment systems or top energy saving white goods.

Overview

Minimum loan amount$2,000

Maximum loan amount$100,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate6.79%

Comparison rate7.21%

Monthly repayments (approx)$312

Total repayments (approx)$11,247

Total interest repayments (approx)$1,247

Rate typeFixed

Secured or unsecuredSecured

Security required Yes

Encumberance/REVVS check fee$16

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$20

Missed payment fee$30

For debt consolidation?No

Sponsored No

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.

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 Bendigo Bank 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 Bendigo Bank personal loans, there are other important things to consider and understand, other than just Bendigo Bank’s interest rates.

What personal loan options does Bendigo Bank offer?

Bendigo Bank has 3 personal loan products:

  • Bendigo Bank Secured Personal Loan
  • Bendigo Bank Unsecured Personal Loan
  • Bendigo Bank Green Secured Personal Loan

 

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

You can also review and compare Bendigo Bank car loans and Bendigo Bank home loan.

Do you have a Bendigo Bank 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 Bendigo Bank Personal Loan?

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

Bendigo Bank’s personal loan eligibility criteria

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

Bendigo Bank’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 Bendigo Bank 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 Bendigo Bank

  • 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 Bendigo Bank personal loan

There are many additional factors Bendigo Bank 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 Bendigo Bank 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 Bendigo Bank will lend for:

 

Additional product information

Bendigo Bank’s minimum and maximum personal loan amounts and terms

You can borrow between $2,000 and $100,000. Over terms between 1 year and 7 years. Use our filter as a repayment calculator to see your monthly repayments and rates.

Bendigo Bank’s repayment schedule

Bendigo Bank allow weekly, fortnightly or monthly repayment.

Extra repayment or early penalties

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

Redraw facility

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