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

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Regional Australia Bank Personal Loans

Personal Touch Loan

A great unsecured personal loan rate, along with the service and support that gives Regional Australia Bank the personal touch!

Overview

Minimum loan amount$8,000

Maximum loan amount$100,000

Minimum term (years)1 Year

Maximum term (years)5 Years

Advertised rate9.99%

Comparison rate10.88%

Monthly repayments (approx)$328

Total repayments (approx)$11,841

Total interest repayments (approx)$1,841

Rate typeVariable

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$0

For debt consolidation?No

Sponsored No

Telephone132 067

Data accurate as of9/04/2016

Comparison rate warning WARNING: This comparison rate is for an unsecured variable rate “Enviro Loan” based on $15,000 over 3 years. It refers to the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different comparison rate. Interest rates are on a per annum basis and are current as at 01/02/17 and are subject to change.

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Personal Loan

All-purpose Personal Loan for quick and easy funds when you need them.

Overview

Minimum loan amount$500

Maximum loan amount$100,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate15.99%

Comparison rate16.91%

Monthly repayments (approx)$358

Total repayments (approx)$12,901

Total interest repayments (approx)$2,901

Rate typeVariable

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$0

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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Enviro Loan

Get rewarded for making green purchases and improvements to your home with a low interest rate, great features and no monthly service fees or charges.

Overview

Minimum loan amount$500

Maximum loan amount$100,000

Minimum term (years)1 Year

Maximum term (years)5 Years

Advertised rate7.95%

Comparison rate8.83%

Monthly repayments (approx)$319

Total repayments (approx)$11,492

Total interest repayments (approx)$1,492

Rate typeVariable

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$0

For debt consolidation?No

Sponsored No

Telephone132 067

Data accurate as of9/04/2016

Comparison rate warning WARNING: This comparison rate is for an unsecured variable rate “Enviro Loan” based on $15,000 over 3 years. It refers to the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different comparison rate. Interest rates are on a per annum basis and are current as at 01/02/17 and are subject to change.

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

What personal loan options does Regional Australia Bank offer?

Regional Australia Bank has 3 personal loan products:

  • Regional Australia Bank Personal Touch Loan
  • Regional Australia Bank Personal Loan
  • Regional Australia Bank Enviro 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 Regional Australia Bank car loans and Regional Australia Bank home loan.

Do you have a Regional Australia 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 Regional Australia Bank Personal Loan?

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

Regional Australia Bank’s personal loan eligibility criteria

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

Regional Australia 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 Regional Australia 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 Regional Australia 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 Regional Australia Bank personal loan

There are many additional factors Regional Australia 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 Regional Australia 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 Regional Australia Bank will lend for:

 

Additional product information

Regional Australia Bank’s minimum and maximum personal loan amounts and terms

You can borrow between $8,000 and $100,000. Over terms between 1 year and 5 years. Use our filter as a repayment calculator to see your monthly repayments and rates.

Regional Australia Bank’s repayment schedule

Regional Australia Bank allow weekly, fortnightly or monthly repayment.

Extra repayment or early penalties

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

Redraw facility

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