Personal Loan
With low interest rates, fast approval and flexible repayment options, you can?t go past a Bank of us personal loan. From amounts as little as $3,000, our personal loans are straightforward and super
Category: Personal Loans Last Updated September 8, 2025 Effective December 22, 2025
General Lending Rates
Rates listed below are for a VARIABLE P&I product. Additional Information SAVVY SWITCH - SECURED PERSONAL LOAN
Interest Rate
6.49% PA
6.49% PA
Comparison Rate
6.77%PA*
6.77%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
, VARIABLE, 6.99%
- Lending Rate Type: Variable
- Interest Rate: 6.99%, Comparison Rate 7.27%
- Repayment Type: Principal And Interest
- Loan Purpose:
, VARIABLE, 8.99%
- Lending Rate Type: Variable
- Interest Rate: 8.99%, Comparison Rate 9.28%
- Repayment Type: Principal And Interest
- Loan Purpose:
, VARIABLE, 10.99%
- Lending Rate Type: Variable
- Interest Rate: 10.99%, Comparison Rate 11.28%
- Repayment Type: Principal And Interest
- Loan Purpose:
, VARIABLE, 6.49%
- Lending Rate Type: Variable
- Interest Rate: 6.49%, Comparison Rate 6.77%
- Repayment Type: Principal And Interest
- Loan Purpose:
, VARIABLE, 7.49%
- Lending Rate Type: Variable
- Interest Rate: 7.49%, Comparison Rate 7.77%
- Repayment Type: Principal And Interest
- Loan Purpose:
Product Features
- Redraw Additional Information: If your loan is in advance then redraw is available. Redraw is available same day without fees.
- Digital Banking
- Extra Repayments
- Npp Enabled
Product Eligibility
- Min Age - 18.
- Residency Status Additional Information: Should be a citizen or permanent resident of Australia. Temporary residents may be eligible if holders of an acceptable employer supported visa.
- Natural Person
Bank Fees and Charges
- Personal Loan Application Fee (Upfront), Amount: 200.00.
- Special Attendance Fee (Event), Amount: 300.00. Additional Information: per attendance plus any amounts incurred by us in attending such requests, such as valuation fees, mortgage insurance premium, lender s risk and processing fee, legal costs, document custodian charges, titles office fees and electronic processing fees all of which are unascertainable at the disclosure date.
- Arrears Fee (Event), Amount: 40.00. Additional Information: Payable in each instance you are in default under this contract. This fee will be debited to your loan account on the next business day.
- Evidence Retrieval Fee (Event), Amount: 20.00. Additional Information: Applies where you request us to retrieve the paper item or evidence supporting a transaction. The fee is debited to your account when the required documentation is provided to you. Please note that the fee is not applicable where evidence shows that you did not initiate the transaction.
- Cheque Dishonour (inward) Fee (Event), Amount: 12.00. Additional Information: Applies where a cheque paid into your account with us is dishonoured. The fee is debited to your account on the date of dishonour.
- Duplicate Statement Fee (Event), Amount: 5.00. Additional Information: Payable for each duplicate paper copy of your monthly statement you request. Charged at the time of your request.
Limitations & Restrictions (Constraints)
- Max Balance of 80000.00
- Min Balance of 3000.00
Document Downloads
fees-and-charges-schedule-1-july-2021.pdf (273.1 KB)
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