At a glance
- Variable
- 13.25%15.54% comparison
- Loan size
- $500 to no maximum
- Upfront fee
- $300
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 | 13.25% | 5.80%Plenti Personal Loan | 7.96%of 68 institutions | 65th lowest of 68 |
| Variable personal loanMoves with the lender's rates | 13.25% | 6.29%Bank of us' RESIDENTIALLY SECURED PERSONAL LOAN | 8.02%of 45 institutions | 41st lowest of 45 |
Rates
Every rate Coastline publishes for this personal loan, 3 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | P&I | - | up to $2,999 | 19.75% | 22.14% | Existing cust; Min deposits; New accounts; New customer |
| Variable | P&I | - | $10,000+ | 13.25% | 15.54% | Existing cust; Min deposits; New accounts; New customer |
| Variable | P&I | - | $3,000–$9,999 | 16.75% | 19.09% | Existing cust; Min deposits; New accounts; New customer |
Rate changes
2 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 16 Oct 2026 | Variable, P&I, $10,000+ | 13.00% | 13.25% | up 0.25 |
| 16 Oct 2026 | Variable, P&I, $3,000–$9,999 | 16.50% | 16.75% | up 0.25 |
Each change is logged the night it appears in the rates Coastline Bank publishes. See how every lender answered the RBA on the rate tracker.
Fees
10 fees published, grouped by when they're charged.
When you take it out4
- Personal Ln Establishment Fee$300
- PPSR Security Interest Fee$50
- Real Time Transfer/NPP Fee$20
- Settlement Disbursement Fee$5
When you make a transaction2
- Loan Redraw FeeNo fee
- Loan Redraw Fee$20
When particular things happen4
- Arrears Reminder Fee$5
- Final Notice of Demand$40
- Loan Renegotiation Fee$150
- Manual Arrears Transfer Fee$5
Features
RedrawExtra repaymentsInstant paymentsDigital banking
Eligibility and limits
- Minimum age 18
- Residency: Australia
- Available to individuals
- Amount from $500, no maximum
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Published by Coastline Bank under the Consumer Data Right, last changed by them on 15 Oct 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.