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Personal and car loan rates and fees

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

What's on this page

Lifestyle personal loan

Effective 30 October 2024
Type
Interest (p.a.)
Comparison (p.a.)
Standard rate
9.89%
10.93%
For property owners
7.89%
8.92%

Personal car loans

Effective 30 October 2024
Type
Interest (p.a.)
Comparison (p.a.)
New car fixed rate
7.95%
8.16%
Used car fixed rate
8.95%
9.16%
Low emission vehicle fixed rate#
6.95%
6.95%

Fees and charges

Establishment fee
$150
Establishment fee waived for Pure Electric, Plug In Hybrid Electric, Regenerative Hybrid or engines producing less than 125 g / km Tailpipe C02 (g/km).
$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.

® Registered to BPAY Pty Ltd ABN 69 079 137 518

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.

^Carbon emissions: We calculate emissions associated with each car loan based on average vehicle emissions figures and average mileage figures for Australian vehicles (sources: National Greenhouse Accounts Factors and Australian Bureau of Statistics). For each car loan, we use the average vehicle emissions factor multiplied by the share of the year that the car loan was active. To access this rate, we require a Goods Security Agreement on the car. The car must also be registered in the name of the borrower.

*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.

#Bank Australia Low Emission Vehicle criteria: Bank Australia may provide a Low Emission Vehicle (LEV) pricing benefit if the car is Pure Electric, Plug In Hybrid Electric, Regenerative Hybrid or the internal combustion engine produces less than 125 g / km Tailpipe C02 (g/km) as published by Green Vehicle Guide©.