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Home > Personal Loans > Select Encompass Personal Loans

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Select Encompass Personal Loans

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Featured personal loans

Unsecured Personal Loan- Excellent

Unsecured Personal Loan- Excellent

8.95% Advertised Rate (p.a)

10.56% Comparison Rate (p.a.)

$333.91 Monthly Repayment

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We provide a range of flexible personal loans designed to suit your needs.

Overview

Minimum loan amount$5,000

Maximum loan amount$40,000

Minimum term (years)2 years

Maximum term (years)7 Years

Personal loan interest rates (base)8.95%

Personal loan comparison rate10.56%

Monthly repayments (approx)$333

Total repayments (approx)$12,020

Total interest repayments (approx)$2,020

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee4%, maximum $495

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Other Fees & Information

Monthly fee$13

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 of26/10/2018

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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:

Holidays/vacation
Education (e.g. student loans)
Weddings
Dental and other medical expenses

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.

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