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2023-12-22 2:05 pm
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Personal and car loan rates and fees

Rates and fees for used cars, property owners, and more. Including all the fees you won’t pay.

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We're making some changes to our car loans in 2025
‍
‍Bank Australia will no longer accept loan applications for new fossil fuel cars from 30 January 2025. Any loans in progress before this date have a completion deadline of 28 February 2025.

In line with changes to our car loans, carbon offsets will no longer be applied to car loans funded after 28 February 2025.
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What's on this page

What's on this page

Lifestyle personal loan

Effective 5 December 2024
Type
Interest (p.a.)
Comparison (p.a.)
Standard rate
9.89%
10.93%
For property owners
7.89%
8.92%

Fees and charges

Establishment fee
$150
Establishment fee
$150

Personal car loans

Effective 5 December 2024
Type
Interest (p.a.)
Comparison (p.a.)
Used car fixed rate
8.95%
9.16%

Fees and charges

Establishment fee
$150
Establishment fee waived for Electric Vehicles
$0
Monthly fee
$0
Application fee
$0
Late payment fee
$0

Personal loan - overdraft

Effective 26 February 2021
Type
Interest (p.a.)
Personal Loan - Overdraft
12.39%

Things you need to know

General advice warning

Information provided is of a general nature only. In providing you with this information you should consider the appropriateness of this advice with regards to your particular financial situation and needs. You should consult the Product Disclosure Documents before making a decision to apply for products with Bank Australia.

Bank Australia is committed to delivering memorable and superior service to all customers. We welcome your feedback, compliments and/or complaints about our performance.

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Terms, conditions, fees and charges may be applicable. Bank@Post and its device mark are registered trademarks of the Australian Postal Corporation. All rights reserved.

*Comparison rate: The Comparison Rate is based on a secured loan of $30,000 for 5 years. Additional fees and charges may be applicable. WARNING: This comparison rate is true only for the example given and may not include all fees and charges.