Personal Loan Unsecured

 General Lending Rates

 Product Features

• Redraw Additional Information: Redraw permitted on application

• Other Additional Information: Loan terms up to 5 years

• Other Additional Information: Additional repayments permitted without penalty

• Other Additional Information: No early repayment fee

• Digital Banking

 Product Eligibility

• Residency Status Additional Information: Australian Citizens or permanent residents or as otherwise approved

• Min Age - 18. Additional Information: Borrower must be minimum age of 18 years old

• Natural Person Additional Information: Borrower must be a natural person

 Bank Fees and Charges

• Cheque Issuing Fee (Event), Amount: 2.50. Additional Information: Payable to us when a payment is made from your loan account by way of Financial Institution (FI) Cheque

• Default Administration Fee (Event), Amount: 50.00. Additional Information: Payable to us when the borrower (or security provider) has not performed an obligation on time including an obligation to pay money. This fee is payable monthly commencing one month after the obligation should have been performed and up to and including the month in which the obligation is performed. We debit this fees to tour loan account each month until the default is remedied.

• Dishonour Fee (Event), Amount: 9.00. Additional Information: Payable to us when a payment (such as as a direct debit, salary deduction or cheque) is dishonoured

• Duplicate Fee (Event), Amount: 20.00. Additional Information: Per copied document. Payable to us when we provide a copy of a document

• Duplicate Statement Fee (Event), Amount: 7.00. Additional Information: Per statement. Payable to us when we provide a copy of a statement

• Information Fee (Variable), Amount: 0.00. Additional Information: $1.00 per minute ($20.00 minimum fee). The fee will be calulated on the actual time spent retrieving and providing the information requested.Payable to us to provide information and that information is provided in writing

• Loan Application Fee Personal Loan (Event), Amount: 200.00.

• Photocopying Fee (Event), Amount: 0.50. Additional Information: Per sheet. Payable to use when we provide a photocopy of any document

• Renegotiation Fee (Event), Amount: 300.00. Additional Information: Per renegotiation. Payable to us whenever we agree to renegotiate or vary conditions on your loan other than altering interest rate options

 Limitations & Restrictions (Constraints)

• Min Balance of 5000.00 Additional Information: Minimum Loan Amount $5K

• Max Balance of 20000.00 Additional Information: Maximum Loan Amount $20k