The Finance Algorithm

At a glance

Variable
14.35%16.65% comparison
Upfront fee
$20

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.

This personal loan: 14.35%Every other institution's lowest, 67 in all

Lowest advertised rate, fixed or variable, leaving out car loans. One dot per institution, at its lowest personal loan rate anyone can apply for; hover or tap a dot for its name.

RateThis personal loanBest anywhereTypical institutionWhere it sits
Personal loanLowest advertised rate, fixed or variable, leaving out car loans14.35%5.80%Plenti Personal Loan7.96%of 68 institutions66th lowest of 68
Variable personal loanMoves with the lender's rates14.35%6.29%Bank of us' RESIDENTIALLY SECURED PERSONAL LOAN8.02%of 45 institutions42nd lowest of 45

Rates

The one rate Woolworths Team Bank publishes for this personal loan.

TypeApplies toTermBandRateComparisonConditions
VariableP&I--14.35%16.65%-

Fees

5 fees published, grouped by when they're charged.

When you take it out2

  • LOAN_DOCUMENT_PREPARATION_FEE_-_SECURED_LOANS
    $299
  • PERSONAL_PROPERTY_SECURITIES_REGISTER_FEE
    $20

When you make a transaction3

  • ARREARS_LETTER_FEE
    $25
  • DEFAULT_NOTICE
    $35
  • FIELD_CALL_FEE

    At cost

    No fee

Features

None published.

Eligibility and limits

  • Minimum age 18
  • Membership is open to team members of Woolworths and Endeavour Groups, their immediate family members, and those with an affinity to Woolworths Group

Published by Woolworths Team Bank under the Consumer Data Right, last changed by them on 26 Nov 2025. 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.