Select Encompass Personal Loan Rates & Fees, Review & Compare - Best Find - BestFind.com.au

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Select Encompass Personal Loans

Personal Loan Unsecured

Whatever it is you want, a plasma TV, a holiday or even home renovations - we can help you get it.

Overview

Minimum loan amount$1,000

Maximum loan amountNo maximum

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate10.99%

Comparison rate11.21%

Monthly repayments (approx)$332

Total repayments (approx)$11,966

Total interest repayments (approx)$1,966

Rate typeVariable

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$0

Missed payment fee$0

For debt consolidation?No

Sponsored No

Telephone1300 855 675

Data accurate as of11/04/2016

Comparison rate warning Comparison rates are calculated on a loan amount 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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Debt Consolidation Personal Loan

If you find yourself overwhelmed with a letterbox full of bills for credit cards, store cards and personal loans - we can help you take control. By consolidating your debt into one low rate personal loan, we can help you get your debt under control quick smart.

Overview

Minimum loan amount$1,000

Maximum loan amountNo maximum

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate15.99%

Comparison rate16.22%

Monthly repayments (approx)$356

Total repayments (approx)$12,850

Total interest repayments (approx)$2,850

Rate typeVariable

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$0

Missed payment fee$0

For debt consolidation?No

Sponsored No

Telephone1300 855 675

Data accurate as of11/04/2016

Comparison rate warning Comparison rates are calculated on a loan amount of $10,000 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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Personal Loan Secured by Term Deposit

Your savings will earn interest in a Term Deposit and provide 100% security for your loan. This is a great way to keep your savings intact while you borrow at a low rate.

Overview

Minimum loan amount$1,000

Maximum loan amountNo maximum

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate4.24%

Comparison rate4.44%

Monthly repayments (approx)$300

Total repayments (approx)$10,832

Total interest repayments (approx)$832

Rate typeVariable

Secured or unsecuredSecured

Security required Yes

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$0

Missed payment fee$0

For debt consolidation?No

Sponsored No

Telephone1300 855 675

Data accurate as of11/04/2016

Comparison rate warning Comparison rates are calculated on a loan amount of $10,000 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 Select Encompass 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 Select Encompass personal loans, there are other important things to consider and understand, other than just Select Encompass’s interest rates.

What personal loan options does Select Encompass offer?

Select Encompass has 3 personal loan products:

  • Select Encompass Personal Loan Unsecured
  • Select Encompass Debt Consolidation Personal Loan
  • Select Encompass Personal Loan Secured By Term Deposit

 

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

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

Do you have a Select Encompass 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 Select Encompass Personal Loan?

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

Select Encompass’s personal loan eligibility criteria

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

Select Encompass’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 Select Encompass 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 Select Encompass

  • 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 Select Encompass personal loan

There are many additional factors Select Encompass 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 Select Encompass 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 Select Encompass will lend for:

 

Additional product information

Select Encompass’s minimum and maximum personal loan amounts and terms

You can borrow between $1,000 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.

Select Encompass’s repayment schedule

Select Encompass allow weekly, fortnightly or monthly repayment.

Extra repayment or early penalties

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

Redraw facility

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