Do you have the right personal loan for your needs?
Consider your loan requirements and then find the loan that suits your needs. Our range of personal loans offer flexibility of loan term, competitive interest rate, and a choice of repayment options.
Fixed or variable – which is better suited to your needs?
A fixed rate loan gives you the security of knowing what your repayments are and protects you against interest rate rises for the life of the loan. You can make extra payments, but there is a limit on the amount of additional payments you can make before break costs may apply.
A variable rate loan gives you flexibility, as you make extra payments and you can apply to redraw those funds if you need them (fees apply). The interest rate is not fixed, so it may vary over the term of the loan.
Make repayments automatically
Making loan repayments automatically via direct debit could save you the hassle of having to make manual payments on time and can help avoid fees for missed or late payments.
When you have a direct debit set up you can avoid fees for missed or late payments by ensuring that you have enough money in the account that is being debited when the repayment is due. You can organise for your loan repayments to be made from your nominated account on the same day your salary is credited to your account.
Monitor your personal loan
We have a number of ways for you to monitor your personal loan, Get Set loan (no longer for sale) or Personal Overdraft and ensure you avoid these types of fees. These include;
Internet and Phone Banking
Enquiring over the phone or at any BankSA branch
If you would like more information on any of the fees that may apply to your personal loan, please speak to us on 13 13 76.
Conditions, fees and credit criteria apply.
Before making a decision, it's best to read the terms and conditions.
- Secured and Unsecured Personal Loans
- Personal Loan Fees and Charges
- Get Set Loan (no longer for sale)
- Unsecured Personal Overdraft
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.
1 Redraw requests are subject to our approval. Fees apply.