|
|
|
From 8.95% (fixed)
|
10.56%
|
$5,000
|
18 months to 7 years
|
$495 (Based on $10,000)
|
$13
|
|
You'll receive a fixed rate between 8.95% p.a. and 16.95% p.a. based on your risk profile
Apply for loans from $5,000 and get a dedicated loan manager. No security required.
|
|
|
|
|
|
|
From 8.99% (variable)
|
9.67%
|
$5,000
|
3 to 5 years
|
$0 ($199 establishment fee waived)
|
$10
|
|
You'll receive a variable rate between 8.99% p.a. and 17.99% p.a. (9.67% p.a. to 18.6% p.a. comparison rate) based on your risk profile
A credit limit up to $75,000 that you can continue to draw down over terms up to 5 years. Note: The establishment fee will be waived if you apply before 30 September 2019.
|
|
|
|
|
|
|
8.99% (fixed)
|
9.13%
|
$5,000
|
2 to 5 years
|
$100
|
$0
|
|
You'll receive a fixed rate of 8.99% p.a.
Benefit from no ongoing fees, no early repayment fees and flexible loan terms on amounts up to $30,000.
|
|
|
|
|
|
|
From 5.99% (variable)
|
7.55%
|
$5,000
|
1 to 7 years
|
from 2% to 5% of the loan amount
|
$10
|
|
You'll receive a personalised interest rate from 5.99% p.a. to 25.99% p.a. based on your risk profile
Borrow up to $50,000 to pay for what you need.
|
|
|
|
|
|
|
9.89% (fixed)
|
10.14%
|
$5,000
|
1 to 7 years
|
$175
|
$0
|
|
You'll receive a fixed rate of 9.89% p.a.
An unsecured loan from $5,000 with flexible repayments and no monthly fee.
|
|
|
|
|
|
|
From 6.99% (fixed)
|
7.69%
|
$5,000
|
3 to 5 years
|
$500 (Upfront fee)
|
$0
|
|
You'll receive a fixed rate between 6.99% p.a. and 28.69% p.a. based on your risk profile.
Apply for a loan up to $70,000 and repay your loan over 3 or 5 years terms.
|
|
|
|
|
|
|
From 5.85% (variable)
|
7.84%
|
$2,001
|
6 months to 5 years
|
$299
|
$0
|
|
You'll receive a variable rate from 5.85% p.a. based on your risk profile
A flexible loan with amounts from $2,001 and terms starting from 6 months. Interest and comparison rates calculated for a loan term of 3 years.
|
|
|
|
|
|
|
12.99% (fixed)
|
14.14%
|
$4,000
|
1 to 7 years
|
$0 ($250 establishment fee waived)
|
$12
|
|
You'll receive a fixed rate of 12.99% p.a.
Benefit from the security of a fixed rate with the flexibility of additional repayments. Existing Westpac customers may qualify for discounts. Note: Establishment fee will be waived if you apply and are approved before 30 September 2019.
|
|
|
|
|
|
|
From 10.69% (fixed)
|
11.58%
|
$5,000
|
1 to 7 years
|
$150
|
$10
|
|
You'll receive a fixed rate between 10.69% p.a. and 18.69% p.a. ( 11.58% p.a. to 19.53% p.a. comparison rate) based on your risk profile
An unsecured loan up to $55,000 you can use for a range of purposes and pay off over up to 7 years. Note: Majority of customers will get the headline rate of 12.69% p.a. (13.56% p.a. comparison rate) or less. See Comparison rate warning in (i) above.
|
|
|
|
|
|
|
From 12.99% (fixed)
|
14.06%
|
$2,000
|
1 to 5 years
|
$0 ($195 establishment fee waived)
|
$12
|
|
You'll receive a fixed rate between 12.99% p.a. and 18.9% p.a. based on your risk profile
A low minimum borrowing amount of $2,000 to fund a range of purposes. Note: Establishment fee will be waived if you apply and are approved before 30 September 2019.
|
|
|
|
|
|
|
From 13.99% (fixed)
|
15.19%
|
$3,000
|
1 to 7 years
|
$250 (Loans under $5000 - $140)
|
$13
|
|
You'll receive a fixed rate between 13.99% p.a. and 29.99% p.a. based on your risk profile
Apply for what you need from $3,000 and use it for a range of purposes. Flexible repayments options.
|
|
|
|
|
|
|
From 7.93% (fixed)
|
8.77%
|
$1,000
|
1 to 5 years
|
$500 (from $100 to $500)
|
$10
|
|
You'll receive a fixed rate between 7.93% p.a. and 18.87% p.a. based on your risk profile
An unsecured loan with a low minimum borrowing amount and flexible repayment options.
|
|
|
|
|
|
|
10.99% (fixed)
|
12.21%
|
$20,000
|
1 to 7 years
|
$250
|
$13
|
|
You'll receive a fixed rate of 10.99% p.a.
A secured or unsecured loan available to homeowners with a large minimum borrowing amount of $20,000. Benefit from flexible repayments and fast approval.
|
|
|
|
|
|
|
From 8.05% (fixed)
|
9.06%
|
$2,000
|
1 to 7 years
|
1.5–6% of your total loan amount
|
$0
|
|
You'll receive a fixed rate from 8.05% p.a. based on your risk profile
A personalised loan from $2,000 to $50,000 that varies based on your credit history and financial situation.
|
|
|
|
|
|
|
From 12.99% (variable)
|
16.42%
|
$3,000
|
1 to 7 years
|
$200
|
$10
|
|
You'll receive a variable rate of 12.99% p.a.
Apply for up to $50,000 and benefit from features such as fast approval, free online redraws and no penalties for early repayment.
|
|
|
|
|
|
|
From 9.54% (variable)
|
9.83%
|
$3,000
|
Up to 5 years
|
$200
|
$0
|
|
You'll receive a variable rate of 9.54% p.a.
A low minimum borrowing amount of $3,000 that you can use for a range of purposes. Benefit from member discounts and flexible repayments. Only available to QLD residents
|
|
|
|
|
|
|
11.89% (variable)
|
12.15%
|
$5,000
|
1 to 7 years
|
$175
|
$0
|
|
You'll receive a variable rate of 11.89% p.a.
Borrow from $5,000 with the option for flexible repayments and no monthly fees.
|
|
|
|
|
|
|
10.89% (variable)
|
11.15%
|
$30,000
|
1 to 7 years
|
$175
|
$0
|
|
You'll receive a discounted variable rate of 10.89% p.a.
Borrow over $30,000 and receive a discounted interest rate. No monthly fees and a redraw facility also available.
|
|
|
|
|
|
|
From 10.69% (variable)
|
11.58%
|
$5,000
|
1 to 7 years
|
$150
|
$10
|
|
You'll receive a variable rate between 10.69% p.a. and 18.69% p.a. ( 11.58% p.a. to 19.53% p.a. comparison rate) based on your risk profile
An unsecured loan up to $55,000 you can use for a range of purposes. Benefit from fee-free additional repayments and a redraw facility. Note: Majority of customers will get the headline rate of 12.69% p.a. (13.56% p.a. comparison rate) or less. See Comparison rate warning in (i) above.
|
|
|
|
|
|
|
From 12.99% (variable)
|
14.06%
|
$2,000
|
1 to 7 years
|
$0 ($195 establishment fee waived)
|
$12
|
|
You'll receive a variable rate between 12.99% p.a. and 18.9% p.a. based on your risk profile
A low minimum borrowing amount of $2,000 plus the convenience to make extra repayments and redraw them if you need them. Note: Establishment fee will be waived if you apply and are approved before 30 September 2019.
|
|
|
|
|
|
|
From 7.88% (variable)
|
8.72%
|
$1,000
|
1 to 7 years
|
$500 (from $100 to $500)
|
$10
|
|
You'll receive a variable rate between 7.88% p.a. and 18.82% p.a. based on your risk profile
An unsecured loan with flexible repayment options and a low minimum borrowing amount.
|
|
|
|
|
|
|
From 7.5% (fixed)
|
9.51%
|
$5,000
|
2 to 5 years
|
$3
|
$0
|
|
You'll receive a fixed rate between 7.5% p.a. and 19.99% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Benefit from no ongoing fees and no early repayment fee.
|
|
|
|
Hi, I’ve got a loan of $35k+ currently with a 16.4%pa variable interest rate received about 4 years ago when my income was $40k/year less than now. Can I negotiate my loan amount with my big 4 bank lender? Or would I be better off with another lender?
Hi Dan,
Thank you for contacting Finder.
While you can negotiate home loans, you can also try if that could also be available for personal loans if you are to refinance. To help you with negotiating, it may be a good idea to take a look around to see what interest rates are currently offering to new customers by the big four and other lenders too. This may help you work out if you’re getting a good deal and it will also strengthen your argument when it comes time to talk to the bank for possible negotiation.
Hope this helps.
Kind Regards,
Mai