Newcastle Permanent
Unsecured Personal loan
The Unsecured Personal Loan has a low fixed rate with flexible repayment options. The Partially Secured option for this product is no longer available.
Personal loansBank updated 25 Aug 2026
At a glance
- Fixed
- 8.99% · 9.35% comparison
- Loan size
- $5,000 to $50,000
- Upfront fee
- $250
§ 01 — Rates · 1
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | P&I | 7 yrs fixed | — | 8.99% | 9.35% | — |
§ 02 — Fees · 8
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Dishonour Fee | Dishonour | $9 | — | A dishonour fee is payable when a payment direction you make, such as a direct debit, salary deduction or automatic transfer is dishonoured. The dishonour fee is per dishonour. |
| Document Fee | Enquiry | $10 | — | Document Retrieval fee, payable to us when we provide a copy of any statement, notice or other document at your request. Fee per copy document. |
| Default Administration Fee 1 | Late payment | $35 | — | The default administration fee for Personal Loans is payable to us when a repayment due under your agreement is not made. The fee is $35 where one payment or less is in arrears, and $50 per month whe… |
| Default Administration Fee 2 | Late payment | $50 | — | Where more than one repayment is in default (the fee will be charged the month the payment is due and each later month until the month after you pay the amount). |
| Application Fee | Upfront | $250 | — | Assessing and processing your loan application can be an involved process, requiring the expertise of trained assessors. For this reason, an application fee is payable upon advance of your loan. |
| Variation Request Fee | Variation | $75 | — | Where you require that we vary the loan amount, a fee will apply. |
| Electronic Transfer Fee | Withdrawal | $30 | — | Payable to us when we are required to electronically transfer money for settlement. |
| Settlement Financial Institution Cheque Fee | Withdrawal | Varies | — | First cheque free, thereafter $5 per cheque. Third party fees at cost and unascertainable. |
§ 03 — Features
Extra repaymentsDigital banking
- · Flexible repayment options - Minimum monthly principal and interest repayments with weekly and fortnightly options available.
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Must live in Australia and be either: an Australian citizen, an Australian permanent resident or a New Zealand citizen
- · Available to individuals
- · Amount $5,000 to $50,000
- · The Partially Secured option was terminated from 24/03/2025. The Unsecured option remains available for new Personal Loans.
§ 05 — Compare
§ 06 — Run the numbers
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Published by Newcastle Permanent Building Society under the Consumer Data Right, last changed by them on 25 Aug 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.