Important disclosure

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

Loan Amount

$10,000

Term

3 months

SERVICE ONE Alliance Bank

Secured Eco Personal Loan Fixed

EST Monthly Repayment
EST Monthly Repayment
6.79%
Advert. Rate (p.a)
Comparison rate
Our Eco Personal Loans are available for the purchase of environmentally friendly solutions.
SERVICE ONE Alliance Bank

Eco Personal Loans (Secured)

EST Monthly Repayment
EST Monthly Repayment
6.79%
Advert. Rate (p.a)
Comparison rate
SERVICE ONE's Eco Personal Loans are available for the purchase of environmentally friendly solutions.
SERVICE ONE Alliance Bank

Fixed Rate Personal Loan (Secured)

EST Monthly Repayment
EST Monthly Repayment
7.79%
Advert. Rate (p.a)
Comparison rate
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.
SERVICE ONE Alliance Bank

Variable Rate Personal Loan (Secured)

EST Monthly Repayment
EST Monthly Repayment
9.99%
Advert. Rate (p.a)
Comparison rate
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.
SERVICE ONE Alliance Bank

Unsecured Eco Personal Loan

EST Monthly Repayment
EST Monthly Repayment
9.99%
Advert. Rate (p.a)
Comparison rate
Our Eco Personal Loans are available for the purchase of environmentally friendly solutions.
SERVICE ONE Alliance Bank

Eco Personal Loans (Unsecured)

EST Monthly Repayment
EST Monthly Repayment
9.99%
Advert. Rate (p.a)
Comparison rate
SERVICE ONE's Eco Personal Loans are available for the purchase of environmentally friendly solutions.
SERVICE ONE Alliance Bank

Variable Rate Personal Loan (Unsecured)

EST Monthly Repayment
EST Monthly Repayment
9.99%
Advert. Rate (p.a)
Comparison rate
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.

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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.

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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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