SERVICE ONE Alliance Bank Personal Loan Rates & Fees, Review & Compare - Best Find

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Service One Alliance Bank Personal Loans

Variable Rate Personal Loan

SERVICE ONE Alliance Bank's Variable Rate Personal Loan offers a competitive interest rate and is available for any worthwhile purpose, whether you are renovating your home, going on a holiday or just want to refinance your personal debt.

Overview

Minimum loan amount$1,000

Maximum loan amount$50,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate9.99%

Comparison rate10.54%

Monthly repayments (approx)$327

Total repayments (approx)$11,794

Total interest repayments (approx)$1,794

Rate typeVariable

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$25

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$30

For debt consolidation?No

Sponsored No

Telephone1300 361 761

Data accurate as of11/04/2016

Comparison rate warning Comparison rate calculated on an unsecured loan amount of $30,000 over a 5 year term and based on monthly repayments. 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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Fixed Rate Personal Loan

The SERVICE ONE Alliance Bank Fixed Rate Personal Loan allows you to budget with confidence as you lock in your repayment amount with a fixed rate for the life of the loan.

Overview

Minimum loan amount$1,000

Maximum loan amount$75,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate7.79%

Comparison rate8.38%

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$25

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$30

For debt consolidation?No

Sponsored No

Telephone1300 361 761

Data accurate as of11/04/2016

Comparison rate warning Comparison rate calculated on a secured loan amount of $30,000 over a term of 5 years based on monthly repayments. 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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Did you know you can compare 100’s of personal loans? Browse, filter and on our main personal loans comparison page.

Compare and review SERVICE ONE Alliance 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 SERVICE ONE Alliance Bank personal loans, there are other important things to consider and understand, other than just SERVICE ONE Alliance Bank’s interest rates.

What personal loan options does SERVICE ONE Alliance Bank offer?

SERVICE ONE Alliance Bank has 2 personal loan products:

  • SERVICE ONE Alliance Bank Fixed Rate Personal Loan
  • SERVICE ONE Alliance Bank Variable Rate 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 SERVICE ONE Alliance Bank car loans, SERVICE ONE Alliance Bank home loan and SERVICE ONE Alliance Bank credit cards.

Do you have a SERVICE ONE Alliance 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 SERVICE ONE Alliance Bank Personal Loan?

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

SERVICE ONE Alliance Bank’s personal loan eligibility criteria

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

SERVICE ONE Alliance 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 SERVICE ONE Alliance 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 SERVICE ONE Alliance 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 SERVICE ONE Alliance Bank personal loan

There are many additional factors SERVICE ONE Alliance 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 SERVICE ONE Alliance 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 SERVICE ONE Alliance Bank will lend for:

 

Additional product information

SERVICE ONE Alliance Bank’s minimum and maximum personal loan amounts and terms

You can borrow between $1,000 and $50,000. Over terms between 1 year and 7 years. Use our filter as a repayment calculator to see your monthly repayments and rates.

SERVICE ONE Alliance Bank’s repayment schedule

SERVICE ONE Alliance Bank allow weekly, fortnightly or monthly repayment.

Extra repayment or early penalties

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

Redraw facility

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