At a glance
- Fixed
- 8.49%9.23% comparison
- Variable
- 8.71%
- Loan size
- $5,000 to $50,000
- Upfront fee
- $150
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 | 8.49% | 5.80%Plenti Personal Loan | 7.96%of 68 institutions | 40th lowest of 68, level with 2 others |
| Fixed personal loanRepayments stay the same for the term | 8.49% | 5.80%Plenti Personal Loan | 7.96%of 42 institutions | 25th lowest of 42, level with one other |
| Variable personal loanMoves with the lender's rates | 8.71% | 6.29%Bank of us' RESIDENTIALLY SECURED PERSONAL LOAN | 8.02%of 45 institutions | 25th lowest of 45 |
Rates
Every rate Warwick Credit Union publishes for this personal loan, 2 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | P&I | 3 yrs fixed | - | 8.49% | 9.23% | - |
| Variable | P&I | - | - | 8.71% | - | - |
Rate changes
2 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 15 Oct 2026 | Variable, P&I | 8.46% | 8.71% | up 0.25 |
| 3 Oct 2026 | Fixed, P&I, 3 yrs fixed | 8.24% | 8.49% | up 0.25 |
Each change is logged the night it appears in the rates Darling Downs Bank publishes. See how every lender answered the RBA on the rate tracker.
Fees
5 fees published, grouped by when they're charged.
- When you take it out$150AUTO_LOAN_ESTABLISHMENT_FEE
- While you hold itUp to $12.502 fees, each listed below
- When you close it or pay it offNo fee published
When you take it out1
- AUTO_LOAN_ESTABLISHMENT_FEE
Payable on funding of new auto loan
$150
While you hold it2
- LOAN_ARREARS_LETTER_FEE
Charged once a loan has gone into arrears and letters are issue to customers
$12.50 - LOAN_SERVICE_FEE
Payable on personal loans or premium home loans
$7.50
When you make a transaction1
- PPSR_-_REGISTRATION_FEE
Charged on registration of chattel mortgage on funding of loan
$6
When particular things happen1
- BREAK_COST_ADMINISTRATION_FEE
Administration Fee charged on fixed rate loans when economic cost is calculated
$100
Features
Eligibility and limits
- Minimum age 18
- Residency: Individual must be citizens or permanant residents of Australia
- Amount $5,000 to $50,000
- Member of the Credit Union
Compare it with others
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Published by Darling Downs Bank under the Consumer Data Right, last changed by them on 14 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.