BankSA
Unsecured Fixed Personal Loan
Our unsecured loan offering to meet your requirement for car, renovation, consolidation of debt or something else.
Personal loansBank updated 29 July 2026
At a glance
- Fixed
- 7.00% · 8.41% comparison
- Loan size
- $2,000 to $50,000
- Upfront fee
- $250
- Monthly fee
- $15
§ 01 — Rates · 2
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed1-7 years of flexible loan term | P&I | 7 yrs fixed | — | 7.00% | 8.41% | Not relevant to product |
| FixedMaximum Interest rate charged for the product. 1-7 years of flexible loan term | P&I | 7 yrs fixed | — | 21.99% | 23.28% | Not relevant to product |
§ 02 — Fees · 7
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Bank Cheque Fee | Event | $10 | — | — |
| Loan Discharge Fee - After 12 Months | Exit | $100 | — | — |
| Loan Discharge Fee - Within 12 Months | Exit | $150 | — | — |
| Missed Payment Fee | Late payment | $15 | — | — |
| Monthly Loan Account Fee | Periodic | $15 | Every 1 mo | — |
| Processing Fee | Transaction | $3 | — | Payable each time you make any repayment on your loan over the counter in a branch or by cash or cheque |
| Lending Establishment Fee | Upfront | $250 | — | — |
§ 03 — Features
Extra repaymentsDigital bankingFraud protectionRelationship manager
- · Your best rate from us: Your interest rate is tailored to your credit score and other details, know you're getting your best rate from us.
- · Stay in control: Fixed interest rate for the whole term of the loan.
- · Borrow $2K-$50K: Choose a loan amount between $2,000 and $50,000
- · Loan terms to fit your budget: Set your repayments however you want, with your choice of 1 to 7 year loan terms.
- · Pay your way: Match your pay day with weekly, fortnightly and monthly repayment options
- · Funds within 60 minutes: After final approval, accept your online contract and funds will be transferred within the hour if you?re already with us
- · Internet and Phone banking : Includes the Security, Stopping or altering payments, Scheduled transactions and payments , Other transactions and payments, Faults and service difficulties
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Be an Australian or New Zealand citizen OR be an Australian permanent resident and hold an�acceptable visa
- · Amount $2,000 to $50,000
- · Be a non-resident or migrant and hold an�acceptable visa with a minimum 1 year before expiry
- · Have a fixed, verifiable Australian address
- · Receive a regular, verifiable Australian taxable income
- · 1-7 years of flexible loan term
§ 06 — Run the numbers
Put this product through a calculator
Published by BankSA under the Consumer Data Right, last changed by them on 29 July 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.