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Personal Loans

Consolidate debt.

A smart way to take control of debt and streamline your finances. 

Our Unsecured Personal Loan gives you the money you need today, so you can better plan for tomorrow:

  • Borrow between $3,000 - $40,000
  • Choose your repayment options
  • Variable and fixed rates and terms available
  • Convenient redraw facility1 on variable rate loans

Buy the car. Take a holiday. Finance your wedding.

That once-in-a-lifetime purchase is within your reach.

Our Secured Personal Loan helps you fund the dream to get where you want to be, fast2:

  • Borrow between $3,000 - $80,000
  • Choose your repayment options
  • Variable and fixed rates and terms available
  • Convenient redraw facility1 on variable rate loans

Access extra money as you need it.


Financial backup for busy lifestyles and big changes.

Whatever your reason, our Get Set Loan means you can withdraw extra cash (up to an agreed limit) when you need it most:

  • Borrow between $5,000 - $50,000
  • Repayments based on outstanding balance
  • Variable interest rate with no set term – acts like a line of credit
  • Make multiple withdrawals without having to reapply

Be prepared for anything.


Proactive cash flow for peace of mind.

Anticipate your upcoming expenses, and protect your family against unexpected events, with our Unsecured Personal Overdraft:

  • Borrow between $500 - $20,000
  • Repayments on demand
  • Variable interest rate with no set term acts like a line of credit
  • Set up your direct debits knowing you’re covered if you fall short

Our personal loans come with a range of benefits:

Flexible options

Choose from a range of flexible terms, repayment and interest options.

Flexible options

Choose from a range of terms, repayment and interest options.


Big or small

Borrow as little as $3,000 or as much as $80,000.

Quick response

Get a response in just 60 seconds when you apply online^.

Still unsure?

Use our tools and calculators below to help compare and select the right personal loan for you.

Calculate how much you can borrow

Compare all of our personal loans

Estimate what your repayments may be

Are you...


Have you considered

Automotive Finance
Find a lease solution if your employer offers salary packaging or if you use your car for business purposes.

Personal Loan Insurance
BankSA Personal Credit Protect offers cover for you if something unexpected happens, meaning your loan repayments can still be taken care of.

Already a customer?

Minimise fees
Find out how to minimise personal loan fees and interest charges.

Manage your loan
It’s easy to check your loan details, apply for an increase, make repayments and more.


Important information

Credit criteria, fees, charges, terms and conditions apply.

Before making a decision, it's best to read the terms and conditions:

BankSA personal loans are part of the Westpac group, including Westpac, St.George Bank, Bank of Melbourne and BankSA.

The advice on our website is prepared without knowing your personal financial circumstances. Before you act on this or any advice, please consider if it's right for you. If you need help, call 13 13 76.

^ Actual completion time and availability may vary depending on your internet connection and other factors. All applications are subject to BankSA lending criteria.

1. Redraw requests are subject to approval. Minimum redraw amount $500 and a redraw fee applies for each approved request. Other fees and charges may be payable.

2. To qualify for a lower interest rate, any motor vehicle offered as security must not be more than 12 years old upon loan expiry. The vehicle used as security must be registered under the applicant’s name. If the vehicle is registered in joint names, loan application must also be made in joint names.

3. BankSA Personal Credit Protect is issued by Insurance Australia Limited ABN 11 000 016 722 trading as Swann Insurance and BankSA Life Limited ABN 88 076 763 936. BankSA arranges the insurance. However, BankSA does not guarantee the insurance. This information does not take into account your personal circumstances. Before making a decision about this insurance, read the Product Disclosure Statement to see if it’s right for you.

*$0 establishment fee and discounted rate promotion: Offer of a fixed interest rate 11.99% p.a. (comparison rate 12.78% p.a.) and $0 establishment fee available to all customers who complete an application for a new fixed rate BankSA Unsecured Personal Loan made via the Fixed Rate offer ‘Get Started’ button on on the Unsecured Personal Loan page before 8 September 2017. This offer is only available for the fixed rate Unsecured Personal Loan product. Credit criteria, fees, and charges apply. Terms and conditions available on request. All other fees and charges outlined on the product page and in the product disclosure statement apply.