Bank of us
Personal Loan
Bank of us · pers loans
Provider last updated this product 2026-06-04.
Go to provider
You'll complete your application on
Bank of us's website. Confirm the rate and fees with them
before applying.
With low interest rates, fast approval and flexible repayment options, you can?t go past a Bank of us personal loan. From amounts as little as $3,000, our personal loans are straightforward and super
As published by the lender
- Security - Unsecured
- Headline rates - from 6.49% to 10.99%The lender publishes several headline rates; which one applies is the lender's decision.
Lending rates
| Type | Rate | Comparison^ | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| VARIABLE | 10.99% | 11.28% | INVESTMENT | PRINCIPAL AND INTEREST | - | - | calculated daily, paid monthly |
| UNSECURED PERSONAL LOAN | |||||||
| VARIABLE | 6.99% | 7.27% | INVESTMENT | PRINCIPAL AND INTEREST | - | - | calculated daily, paid monthly |
| VEHICLE PERSONAL LOAN - vehicle less than 2 years old | |||||||
| VARIABLE | 8.99% | 9.28% | INVESTMENT | PRINCIPAL AND INTEREST | - | - | calculated daily, paid monthly |
| VEHICLE PERSONAL LOAN - vehicle between 2 and 7 years old | |||||||
| VARIABLE | 10.99% | 11.28% | INVESTMENT | PRINCIPAL AND INTEREST | - | - | calculated daily, paid monthly |
| VEHICLE PERSONAL LOAN - vehicle more than 7 years old | |||||||
| VARIABLE | 6.49% | 6.77% | INVESTMENT | PRINCIPAL AND INTEREST | - | - | calculated daily, paid monthly |
| SAVVY SWITCH - SECURED PERSONAL LOAN | |||||||
| VARIABLE | 7.49% | 7.77% | INVESTMENT | PRINCIPAL AND INTEREST | - | - | calculated daily, paid monthly |
| SAVVY SWITCH - UNSECURED PERSONAL LOAN | |||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| PERSONAL_LOAN_APPLICATION_FEE | UPFRONT | $200 | - |
| SPECIAL_ATTENDANCE_FEE | EVENT | $300 | per attendance plus any amounts incurred by us in attending such requests, such as valuation fees, mortgage insurance premium, lender s risk and processing fee, legal costs, document custodian charges, titles office fees and electronic processing fees all of which are unascertainable at the disclosure date. |
| ARREARS_FEE | EVENT | $40 | Payable in each instance you are in default under this contract. This fee will be debited to your loan account on the next business day. |
| EVIDENCE_RETRIEVAL_FEE | EVENT | $20 | Applies where you request us to retrieve the paper item or evidence supporting a transaction. The fee is debited to your account when the required documentation is provided to you. Please note that the fee is not applicable where evidence shows that you did not initiate the transaction. |
| CHEQUE_DISHONOUR_(INWARD)_FEE | EVENT | $12 | Applies where a cheque paid into your account with us is dishonoured. The fee is debited to your account on the date of dishonour. |
| DUPLICATE_STATEMENT_FEE | EVENT | $5 | Payable for each duplicate paper copy of your monthly statement you request. Charged at the time of your request. |
Rate history
Rate Comparison rate
The figures behind this chart
| From | Until | Rate | Comparison |
|---|---|---|---|
| 2026-07-15 | 2026-09-30 (current) | 6.49% | 6.77% |
Published figures as captured daily since 2026-07-15. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
Who can apply
- min age - 18
- residency statusShould be a citizen or permanent resident of Australia. Temporary residents may be eligible if holders of an acceptable employer supported visa.
- natural person
Limits
- max balance - 80000.00
- min balance - 3000.00
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-06-04T08:08:29.000+10:00 · Product ID: Personal_Loan