Great Southern Bank
Unsecured Fixed Personal Loan
A fixed rate personal loan is a great way to reach your goals. Plus, you’ll enjoy the certainty of always knowing how much your repayments will be.
Personal loansBank updated 16 Sept 2026
At a glance
- Fixed
- 17.00% · 7.49% comparison
- Loan size
- $5,000 to $75,000
- Upfront fee
- $225
§ 01 — Rates · 12
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| DiscountInterest rate is available for customers with Equifax score between 675-799 | P&I | — | — | 3.81% | — | — |
| DiscountInterest rate is available for customers with Equifax score between 800-999 | P&I | — | — | 7.31% | — | — |
| DiscountInterest rate is available for customers with Equifax score between 1000-1200 | P&I | — | — | 9.51% | — | — |
| FixedInterest rate is available for customers with Equifax score between 1000-1200 | P&I | 7 yrs fixed | — | 17.00% | 7.49% | — |
| FixedInterest rate is available for customers with Equifax score between 500-549 | P&I | 7 yrs fixed | — | 17.00% | 20.19% | — |
| FixedInterest rate is available for customers with Equifax score between 550-599 | P&I | 7 yrs fixed | — | 17.00% | 18.69% | — |
| FixedInterest rate is available for customers with Equifax score between 600-674 | P&I | 7 yrs fixed | — | 17.00% | 17.19% | — |
| FixedInterest rate is available for customers with Equifax score between 675-799 | P&I | 7 yrs fixed | — | 17.00% | 13.19% | — |
| FixedInterest rate is available for customers with Equifax score between 800-999 | P&I | 7 yrs fixed | — | 17.00% | 9.69% | — |
| PenaltyInterest rate is available for customers with Equifax score between 600-674 | P&I | — | — | 0.19% | — | — |
| PenaltyInterest rate is available for customers with Equifax score between 550-599 | P&I | — | — | 1.69% | — | — |
| PenaltyInterest rate is available for customers with Equifax score between 500-549 | P&I | — | — | 3.19% | — | — |
§ 02 — Fees · 6
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Account Information Fee | Event | $20 | — | Account informaton fee is payable when customer request the following: - An annual audit certificate on a Great Southern Bank account - A copy of a cheque or Visa voucher - Personal information, trac… |
| Arrears Letter Fee | Event | $22 | — | Payable where Great Southern Bank sends you a letter in relation to arrears on your account. |
| Debt Collection Fee | Event | Varies | — | Costs incurred in the recovery of outstanding debts vary depending on the nature of the default. These costs are applied by the Solicitors or independent contractors engaged to undertake action to re… |
| Default Notice Fee | Event | $33 | — | Default notice fee is payable where Great Southern Bank sends you a default notice in relation to outstanding arrears on your account. |
| Telegraphic transfer fee within Australia | Event | $35 | — | Local telegraphic transfer to an account at a financial institution within Australia. Payable where you request a local telegraphic transfer to an account at a financial institution within Australia. |
| Establishment Fee | Upfront | $225capped $225 | — | An establishment fee includes the cost of processing the application and the preparation of loan documentation. |
§ 03 — Features
RedrawExtra repaymentsDigital banking
- · Flexible repayment options - choose to make either monthly, fortnightly or weekly repayments to suit your income and budget.
- · No penalties for early payout, pay off sooner without being charged a fee.
- · $0 Monthly or annual fees.
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: You must be an Australian citizen or Australian resident to hold an account with Great Southern Bank
- · Available to individuals
- · Amount $5,000 to $75,000
- · Applications for Personal Loans are subject to credit approval.
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by Great Southern Bank under the Consumer Data Right, last changed by them on 16 Sept 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.