Bank of us
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
Personal loansBank updated 4 June 2026
At a glance
- Variable
- 6.49% · 6.77% comparison
- Upfront fee
- $200
§ 01 — Rates · 6
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableSAVVY SWITCH - SECURED PERSONAL LOAN | Investment · P&I | — | — | 6.49% | 6.77% | — |
| VariableVEHICLE PERSONAL LOAN - vehicle less than 2 years old | Investment · P&I | — | — | 6.99% | 7.27% | — |
| VariableSAVVY SWITCH - UNSECURED PERSONAL LOAN | Investment · P&I | — | — | 7.49% | 7.77% | — |
| VariableVEHICLE PERSONAL LOAN - vehicle between 2 and 7 years old | Investment · P&I | — | — | 8.99% | 9.28% | — |
| VariableUNSECURED PERSONAL LOAN | Investment · P&I | — | — | 10.99% | 11.28% | — |
| VariableVEHICLE PERSONAL LOAN - vehicle more than 7 years old | Investment · P&I | — | — | 10.99% | 11.28% | — |
§ 02 — Fees · 6
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| ARREARS_FEE | Event | $40 | — | 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. |
| CHEQUE_DISHONOUR_(INWARD)_FEE | Event | $12 | — | 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 | $5 | — | Payable for each duplicate paper copy of your monthly statement you request. Charged at the time of your request. |
| EVIDENCE_RETRIEVAL_FEE | Event | $20 | — | 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 t… |
| SPECIAL_ATTENDANCE_FEE | Event | $300 | — | 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 charge… |
| PERSONAL_LOAN_APPLICATION_FEE | Upfront | $200 | — | — |
§ 03 — Features
RedrawExtra repaymentsInstant paymentsDigital banking
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Should be a citizen or permanent resident of Australia. Temporary residents may be eligible if holders of an acceptable employer supported visa.
- · Available to individuals
- · Minimum balance $3,000
§ 06 — Run the numbers
Put this product through a calculator
Published by Bank of us under the Consumer Data Right, last changed by them on 4 June 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.