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Personal Loans

Want to take control?Get started with $100 off your Unsecured Personal Loan establishment fee*.

Consolidate debt.

A smart way to take control of debt and streamline your finances. Kickstart the journey with $100 off the establishment fee*.

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.

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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.

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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.

Help me choose the right personal loan

Compare all of our personal loans


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:

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.

* This offer is available for online Unsecured Personal loan applications made via this webpage between 12 May - 12 June 2016.

^ 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 Swann Insurance (Aust) Pty Ltd ABN 80 000 886 680 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.