UniBankAll Purpose Personal Loan
Pay for your holiday, wedding or get your debt (up to $50K) under control with a personal loan.
Personal loansBank updated 23 July 2026
At a glance
- Variable
- 11.99%12.14% comparison
- Loan size
- $4,000 to $80,000
- 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 | 11.99% | 5.80%Plenti Personal Loan | 7.96%of 68 institutions | 63rd lowest of 68, level with one other |
| Variable personal loanMoves with the lender's rates | 11.99% | 6.29%Bank of us' RESIDENTIALLY SECURED PERSONAL LOAN | 8.02%of 45 institutions | 40th lowest of 45, level with one other |
Rates
The one rate UniBank publishes for this personal loan.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Variable | P&I | - | $4,000–$80,000 | 11.99% | 12.14% | - |
Fees
One fee published, grouped by when they're charged.
When you take it out1
- APPLICATION_FEE
This fee is applicable when the loan is funded. Personal Loan Application Fee Waiver
$150
Features
RedrawDigital banking
- No ongoing fees
- Make extra repayments
- Choose weekly, fortnightly or monthly repayments
- A competitive variable interest rate
- Debt consolidation, You can borrow up to $50,000 to consolidate your debts
- No fee for early repayment
- Ability to make lump sum payments
Eligibility and limits
- Minimum age 18
- Residency: Individuals must be citizens or permanent residents of Australia.
- Available to individuals
- Amount $4,000 to $80,000
- You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or family members of members (i.e. shareholders…
- All applications for credit are subject to responsible lending criteria. Fees and charges apply. You can find our Consumer Lending terms and conditions online or from any of our offices.
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Published by UniBank under the Consumer Data Right, last changed by them on 23 July 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.