Regional Australia BankPersonal Loan
All-purpose Personal Loan for quick and easy funds when you need them.
At a glance
- Variable
- 16.24%17.65% comparison
- Loan size
- $500 to no maximum
- Upfront fee
- $195
- Monthly fee
- $0
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 | 16.24% | 5.80%Plenti Personal Loan | 7.96%of 68 institutions | 67th lowest of 68 |
| Variable personal loanMoves with the lender's rates | 16.24% | 6.29%Bank of us' RESIDENTIALLY SECURED PERSONAL LOAN | 8.02%of 45 institutions | 43rd lowest of 45 |
Rates
The one rate Regional Australia Bank publishes for this personal loan.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableInterest is per annum (p.a.). The Comparison rate is calculated on a secured loan amount of $10,000 over a term of 3 years. WARNING: This comparison rate is true only for the example given and may no… | - | - | - | 16.24% | 17.65% | - |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 24 Oct 2026 | Variable | 15.99% | 16.24% | up 0.25 |
Each change is logged the night it appears in the rates Regional Australia Bank publishes. See how every lender answered the RBA on the rate tracker.
Fees
3 fees published, grouped by when they're charged.
- When you take it out$195Approval Fee
- While you hold itNo feeMonthly Service Fee
- When you close it or pay it offNo fee published
When you take it out1
- Approval Fee
Applied on approval of your Personal or Car loan, prior to the initial drawdown.
$195
While you hold it1
- Monthly Service FeeNo fee
When particular things happen1
- PPSR check fee
Applies when a PPSR check is required.
$26
Features
- Secured or unsecured loans available.
- Flexible repayment options give you the ability to make repayments Weekly, Fortnightly, or Monthly.
- Ability to make extra payments or repay the loan in full early at no cost.
- No Monthly Service Fee
Eligibility and limits
- Minimum age 18
- Residency: Australian Resident
- Employment: Ongoing Employment
- Amount from $500, no maximum
- Have no recent credit defaults.
- As a customer-owned bank, customers must also become a shareholder of Regional Australia Bank to be eligible to open an account.
- Product is available to approved borrowers only. Terms, conditions, fees, charges and normal lending criteria apply.
- Maximum loan term cannot be greater than 7 years.
Compare it with others
Put this product through a calculator
Published by Regional Australia Bank under the Consumer Data Right, last changed by them on 23 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.