Cairns bankPersonal Loan - Secured (residential)
You can use a Cairns Bank secured personal loan for almost anything, including home improvements, the holiday of a lifetime or a car for your children!
At a glance
- Variable
- 7.34%8.21% comparison
- Loan size
- $3,000 to no maximum
- Upfront fee
- $200
How it compares
This personal loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
| Rate | This personal loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Personal loanLowest advertised rate, fixed or variable, leaving out car loans | 7.34% | 5.80%Plenti Personal Loan | 7.96%of 68 institutions | 22nd lowest of 68 |
| Variable personal loanMoves with the lender's rates | 7.34% | 6.29%Bank of us' RESIDENTIALLY SECURED PERSONAL LOAN | 8.02%of 45 institutions | 10th lowest of 45 |
Rates
The one rate Cairns bank publishes for this personal loan.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableSecured by residential property | P&I | - | - | 7.34% | 8.21% | - |
Fees
7 fees published, grouped by when they're charged.
- When you take it out$200APPLICATION_FEE
- While you hold itUp to $252 fees, each listed below
- When you close it or pay it offNo fee published
When you take it out1
- APPLICATION_FEE$200
While you hold it2
- ACCOUNT_KEEPING_FEE$12
- ARREARS_FEE
For loans in arrears two month or more
$25
When particular things happen4
- BANK_CHEQUE_FEE
Payable for each cheque from a Bank (other than Cairns Bank) you request
$12 - CORPORATE_CHEQUE$10
- DISCHARGE_PREPARATION_FEE
When the balance is repaid in full and a Form 3 is prepared
$60 - DISCHARGE_SETTLEMENT_FEE
When required to attend at settlement
$100
Features
None published.
Eligibility and limits
- Minimum age 18
- Residency: Australian Citizen
- Available to individuals
- Amount from $3,000, no maximum
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Published by Cairns bank under the Consumer Data Right, last changed by them on 5 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.