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SERVICE ONE Alliance Bank Personal Loans

SERVICE ONE Alliance Bank personal loans come with plenty of options. Start comparing loan offers below and choose between variable and fixed rates and secured and unsecured loans. You also get heaps of repayment options using our calculator, so it’s easy to find whatever suits your budget.

Calculate repayments

Our Eco Personal Loans are available for the purchase of environmentally friendly solutions.

Overview

Minimum loan amount$5,000

Maximum loan amount$75,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Personal loan interest rates (base)6.79%

Personal loan comparison rate7.39%

Monthly repayments (approx)$312

Total repayments (approx)$11,252

Total interest repayments (approx)$1,252

Rate typeFixed

Secured or unsecuredSecured

Encumberance/REVVS check fee$0

Application / establishment fee$150

GO TO SERVICE ONE Alliance Bank

Other Fees & Information

Monthly fee$5

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$30

For debt consolidation?No

Sponsored No

Telephone1302 361 761

Data accurate as of14/12/2018

GO TO SERVICE ONE Alliance Bank

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SERVICE ONE's Eco Personal Loans are available for the purchase of environmentally friendly solutions.

Overview

Minimum loan amount$5,000

Maximum loan amount$75,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Personal loan interest rates (base)6.79%

Personal loan comparison rate7.39%

Monthly repayments (approx)$312

Total repayments (approx)$11,252

Total interest repayments (approx)$1,252

Rate typeVariable

Secured or unsecuredSecured

Encumberance/REVVS check fee$0

Application / establishment fee$150

GO TO SERVICE ONE Alliance Bank

Other Fees & Information

Monthly fee$5

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$20

Missed payment fee$30

For debt consolidation?No

Sponsored No

Telephone1300 361 761

Data accurate as of14/12/2018

GO TO SERVICE ONE Alliance Bank

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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

Personal loan interest rates (base)7.79%

Personal loan comparison rate8.38%

Monthly repayments (approx)$317

Total repayments (approx)$11,420

Total interest repayments (approx)$1,420

Rate typeFixed

Secured or unsecuredSecured

Encumberance/REVVS check fee$25

Application / establishment fee$150

GO TO SERVICE ONE Alliance Bank

Other Fees & Information

Monthly fee$5

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$30

For debt consolidation?No

Sponsored No

Telephone1300 361 761

Data accurate as of14/12/2018

GO TO SERVICE ONE Alliance Bank

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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

Personal loan interest rates (base)9.99%

Personal loan comparison rate10.54%

Monthly repayments (approx)$327

Total repayments (approx)$11,794

Total interest repayments (approx)$1,794

Rate typeVariable

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$150

GO TO SERVICE ONE Alliance Bank

Other Fees & Information

Monthly fee$5

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$30

For debt consolidation?No

Sponsored No

Telephone1300 361 761

Data accurate as of14/12/2018

GO TO SERVICE ONE Alliance Bank

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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$75,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Personal loan interest rates (base)9.99%

Personal loan comparison rate10.54%

Monthly repayments (approx)$327

Total repayments (approx)$11,794

Total interest repayments (approx)$1,794

Rate typeVariable

Secured or unsecuredSecured

Encumberance/REVVS check fee$25

Application / establishment fee$150

GO TO SERVICE ONE Alliance Bank

Other Fees & Information

Monthly fee$5

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$30

For debt consolidation?No

Sponsored No

Telephone1300 361 761

Data accurate as of14/12/2018

GO TO SERVICE ONE Alliance Bank

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Our Eco Personal Loans are available for the purchase of environmentally friendly solutions.

Overview

Minimum loan amount$5,000

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 rate10.54%

Monthly repayments (approx)$327

Total repayments (approx)$11,794

Total interest repayments (approx)$1,794

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$150

GO TO SERVICE ONE Alliance Bank

Other Fees & Information

Monthly fee$5

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$30

For debt consolidation?No

Sponsored No

Telephone1303 361 761

Data accurate as of14/12/2018

GO TO SERVICE ONE Alliance Bank

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SERVICE ONE's Eco Personal Loans are available for the purchase of environmentally friendly solutions.

Overview

Minimum loan amount$5,000

Maximum loan amount$75,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Personal loan interest rates (base)9.99%

Personal loan comparison rate10.54%

Monthly repayments (approx)$327

Total repayments (approx)$11,794

Total interest repayments (approx)$1,794

Rate typeVariable

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$150

GO TO SERVICE ONE Alliance Bank

Other Fees & Information

Monthly fee$5

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$20

Missed payment fee$30

For debt consolidation?No

Sponsored No

Telephone1300 361 761

Data accurate as of14/12/2018

GO TO SERVICE ONE Alliance Bank

Hide info -

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)5.45%

Personal loan comparison rate6.07%

Monthly repayments (approx)$309

Total repayments (approx)$11,134

Total interest repayments (approx)$1,134

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 of30/06/2021

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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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.

What type of loan are you looking for?

SERVICE ONE Alliance Bank personal loans – Fund your needs

SERVICE ONE Alliance Bank’s humble beginnings story dates back nearly 60 years to when it was still a community credit union. Over the years, there’s been a series of mergers and an alliance with Bendigo and Adelaide Bank.

When you access one of SERVICE ONE Alliance Bank personal loans, you not only become a member but a shareholder. That’s because SERVICE ONE Alliance Bank is a mutual – it’s 100% customer owned and run for all members’ benefit. Here’s more you need to know before applying for this product.

Basic details about SERVICE ONE Alliance Bank personal loans

  • Loan amounts. Up to 75 000, depending on the loan type
  • Loan terms. Up to 7 years
  • Interest rates. Start from 6.79% p.a.
  • Pros. A wide range of options available – secured or unsecured loans and variable or fixed interest rates.
  • Cons. You have to pay establishment fees, monthly fees, and possibly early repayment fees, which increases total borrowing costs.
  • Best for. Borrowers who want flexible credit to fund large purchases or consolidate/refinance existing higher interest rate debt.

What loans does SERVICE ONE Alliance Bank offer?

  • Fixed rate personal loan (Secured). With a fixed rate, you’ll always be sure of your repayments, so budgeting for your debt is more straightforward. Borrowing limits go up to $75,000, and the interest rate is 6.90%.
  • Variable rate personal loan. This product comes with both secured (borrow up to $75,000) and unsecured options (borrow up to $50,000) plus a variable rate (6.90%) for more flexibility. You can make unlimited lump sum repayments without incurring an additional repayment fee.
  • Eco personal loan. If you’re purchasing environmentally friendly products such as solar panels, solar hot water systems, rainwater tanks, and 5 star rated vehicles, you have access to up to $75,000. This is a fixed rate, so your repayments will be locked. Additionally, you can choose between secured (interest rate is 6.79%) and unsecured options (interest rate is (9.99%).
  • Student personal loan. Available to higher education students and apprentices, this option also comes with the choice of a secured loan with an interest rate of 6.79% or an unsecured loan with a higher rate of 9.99%. The rates are fixed, and you can borrow a minimum of $2,000.

A closer look at SERVICE ONE Alliance Bank personal loans

  • For secured loans, you can use a registered motor vehicle – such as a car or motorbike – a term deposit or residential mortgage as security.
  • Besides consolidating or refinancing high interest personal debt, you can also use the cash for a wide range of uses, such as buying a new or used car and paying for holidays or weddings.
  • It’s possible to make monthly, fortnightly, or weekly repayments.
  • You can also make variable and lump sum repayments, but fixed rate loans may attract an early repayment fee.
  • A redraw facility is available if you want to borrow back payments you’ve already made.
  • There’s an establishment fee of $150, a monthly fee of $15, and an additional repayments fee of $20 for fixed loans.

How to apply for a personal loan from SERVICE ONE Alliance Bank

To head over to the SERVICE ONE website and start the online application process, click “Go to Site” in the product table above. You may need to provide the following information:

  • Payslips and/or letter from your employer
  • Proof of other income
  • Full financial statements and tax statements if self-employed
  • Statements of your other debts

Keep in mind that you need to become a member and shareholder before you can access SERVICE ONE Alliance Bank personal loans. To join online, you need to be at least 18 years of age and a permanent resident or Australian citizen. You also have to provide one primary form of identification, such as a driver’s licence or passport.

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