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MyState Personal Loans

MyState Bank says it practices a more human way of dealing with customers. That means you won’t get those “faceless” big bank vibes when you apply for a MyState Bank personal loan. If that sounds appealing to you, compare options, estimate repayments, and sign up below now.

Calculate repayments

Use a vehicle as security to get the money you need, when you need it at a lower interest rate.

Overview

Minimum loan amount$10,000

Maximum loan amount$75,000

Minimum term (years)1 Year

Maximum term (years)10 Years

Personal loan interest rates (base)7.99%

Personal loan comparison rate8.96%

Monthly repayments (approx)$319

Total repayments (approx)$11,516

Total interest repayments (approx)$1,516

Rate typeVariable

Secured or unsecuredSecured

Encumberance/REVVS check fee$0

Application / establishment fee$200

GO TO MyState

Other Fees & Information

Monthly fee$10

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$0

For debt consolidation?Yes

Sponsored No

Telephone1300 763 831

Data accurate as of19/12/2018

GO TO MyState

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A no-fuss way to arrange the finance you need, when you need it all while enjoying competitive variable interest rates.

Overview

Minimum loan amount$3,000

Maximum loan amount$50,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Personal loan interest rates (base)9.99%

Personal loan comparison rate13.51%

Monthly repayments (approx)$329

Total repayments (approx)$11,858

Total interest repayments (approx)$1,858

Rate typeVariable

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$200

GO TO MyState

Other Fees & Information

Monthly fee$10

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$0

For debt consolidation?Yes

Sponsored No

Telephone1300 763 831

Data accurate as of21/09/2020

GO TO MyState

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A no-fuss way to arrange the finance you need, when you need it all while enjoying competitive variable interest rates.

Overview

Minimum loan amount$3,000

Maximum loan amount$50,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Personal loan interest rates (base)12.99%

Personal loan comparison rate16.42%

Monthly repayments (approx)$343

Total repayments (approx)$12,382

Total interest repayments (approx)$2,382

Rate typeVariable

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$200

GO TO MyState

Other Fees & Information

Monthly fee$10

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$0

For debt consolidation?Yes

Sponsored No

Telephone1300 763 831

Data accurate as of19/12/2018

GO TO MyState

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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)6.29%

Personal loan comparison rate6.54%

Monthly repayments (approx)$313

Total repayments (approx)$11,274

Total interest repayments (approx)$1,274

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 of30/04/2021

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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BestFind.com.au provides factual information in relation to financial products. While BestFind.com.au attempts to make a wide range of products and providers available, it may not cover all the options available to you. Moreover, we cannot be responsible for changes made to this information by product providers and/or inaccurate information obtained from a product provider. All product information comes from the product provider or publicly available information and to the best of our knowledge is correct at time of publishing. The information published on BestFind.com.au is general in nature only and does not consider your personal objectives, financial situation or particular needs and is not recommending any particular product to you. If you decide to apply for a product you will be dealing directly with that provider and not with BestFind.com.au. BestFind.com.au recommends that you read the relevant PDS or offer documentation before taking up any financial product offer. For more information please see BestFind.com.au's Terms of Use and Services Guide.

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.

Need help choosing the right loan?

Get a multi award-winning personal loans broker, to help select the right loan for you.

Australia-wide personal loans completed online or via the telephone (no need for any face-to-face meetings).

Monday to Friday, 9am – 6pm AESTs

An account manager will contact you within 3 hours of your enquiry.

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What type of loan are you looking for?

MyState Bank personal loans – Get extra cash for your plans

You’ve figured out your plans down to how much cash you’ll need. Now it’s time to shop for lenders and products so you can decide which option is a good fit for you.

Perhaps you’ve come across MyState Bank personal loans and want the long and short of how they work. In this guide, BestFind can help you narrow down your options, so keep reading.

MyState Bank personal loans at a glance

  • Loan amount – From $3,000 to $75,000
  • Loan terms – 1-10 years
  • Interest rate type – Fixed or variable
  • Security – Secured or unsecured options available
  • Pros – You can make additional repayments, and there’s fast funding available.
  • Cons – There’s a $200 establishment fee and a $10 monthly fee to consider when calculating borrowing costs.
  • Best for – People looking for flexible loan options and competitive rates.

What loans does MyState Bank offer?

You can apply for the following loan types:

  • Fixed rate personal loans. These are split into secured and unsecured options. Fixed rates guarantee that your minimum loan repayment amount never changes during your term, making budgeting easier.
  • Variable rate personal loans. This product is also divided into secured and unsecured options. Variable rates can fluctuate over the life of the loan, but they have the advantage of free redraws and no penalties when you pay your debt early or make lump sum payments.
  • Package discount personal loans. This product is designed for borrowers who already have a mortgage with MyState Bank. It’s an unsecured personal loan that comes with a fixed or variable rate.

Features of MyState Bank personal loans

  • Secured and unsecured options. A secured personal loan requires an asset such as a vehicle. It, therefore, has a lower interest rate than an unsecured personal loan. Unsecured credit only allows you to borrow between $3,000 and $50,000 over 1 to 7 years, while you can get $10,000 up to $75,000 over 1 to 10 years when you opt for secured credit.
  • Repayment frequency. Flexible monthly, fortnightly, and weekly repayment options are available.
  • Extra repayments. MyState Bank allows you to make extra repayments whenever you want with no fees or penalties.
  • Early payout. You can also pay out your debt at an earlier date, although fees and charges apply for fixed rate options.
  • Suitable for many uses. A MyState Bank personal loan is available for purposes such as holidays, medical expenses, weddings, or debt consolidation. If you want to finance your new or used car, MyState Bank car loans could be the right choice for you.

Eligibility criteria requirements

You need to fulfill the following requirements:

  • Be at least 18 years old
  • Be an Australian citizen or permanent resident
  • Have a good credit rating and a clean credit history
  • Provide two forms of ID such as a driver’s licence, passport, or Medicare card
  • Provide payslips if employed or most recent tax assessment if self-employed

Applying for a MyState Bank personal loan

Looking for some fast funding? Your best option is to apply online. Fortunately, you can do so via BestFind’s comparison table above. The process only takes 10 minutes. All you have to do is click the right “Go to Site” button which takes you to MyState Bank’s website.

Once you reach the application page, fill in the form and submit it. If approved you can receive funds in not more than one business day. Here are a few pointers to help improve your chances of approval:

  • Figure out an affordable repayment that matches your budget. Our MyState Bank personal loan calculator is the perfect tool for this job.
  • Ensure you pay your other debts on time to establish a good track record and boost your credit score.
  • Check your credit report and fix any errors that may be dragging your credit rating down.
  • Avoid too many applications since these will lower your credit score and make you look like a desperate borrower.

About MyState Bank

MyState Bank currently has over 135,000 customers and more than 60 years of experience under its belt. Besides personal loans, this Tasmanian-based financial institution also offers home loans, transaction accounts, savings accounts, insurance, and business solutions.

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