BankSA Personal Loans
You can choose between fixed or variable rates and secured or unsecured loans. Interest rates depend on the type of loan you apply for.
Key takeaways
- BankSA secured loans often offer lower interest rates, starting from 6.49% p.a., compared to unsecured options.
- All BankSA personal loans generally include a $250 application fee and a $15 monthly fee.
- Loan amounts range from $2,000 for unsecured options up to $130,000 for secured loans.
What different scores mean
9+
Excellent
The crème de la crème of personal loans. These products offer the lowest cost loans accompanied by the best features.
7+
Great
Slightly higher in cost and fewer features, but these products are still competitive.
5+
Standard
Typically offering above average rates and possibly lacking in the features department.
0+
Basic
The least competitive in terms of both cost and features.
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How to apply for a BankSA personal loan
Applying online is a straightforward process. You'll need to meet general eligibility requirements including:
- Being at least 18 years of age
- Being an Australian citizen or a permanent resident of Australia
- Being in paid employment
Compare other products from BankSA
- BankSA credit cards
- BankSA home loans
- BankSA savings accounts
- BankSA car loans
- BankSA business loans
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Can I brow $3000
Hello,
At Finder we don’t lend to customers, we just provide information to our readers. You should approach a lender or mortgage broker to get a home loan.
Kind regards,
Richard
Hi there,
I am having some serious trouble getting a credit card or personal loan because although my current role has given me what they call a ‘permanent roster (fulltime hours)’, I am still considered a casual employee and have only been with them three months. Otherwise I have two other casual jobs that I supplement my income with, but this seems to make no difference. I need money for a bond for a rental, please help!
Hi Andrea, thanks for your comment.
Have you tried applying for a credit card/ personal loan already?
The application requirements for credit cards and personal loans don’t specify between being a casual employee or full time employee. Rather the application requirements are based on income, expenses and existing debts.
Hope this helps.
Best,
Jonathan
I am currently on a subclass 820 visa (temporary partner visa until Permanent Residence is approved). I am starting a new job that includes car allowance but finding it difficult to find a bank that will give me a car loan due to my visa not having an end date (the reason for this is that it is valid until my permanent residency is approved, which can take around 2 years). Would this bank or any other that you know of give me a loan on this visa. I am employed full-time and have been for the past 6 years so my credit history and salary isn’t an issue.
Thanks,
John
Hi John!
We know getting a personal loan under a non-resident status can be difficult. :(
We have created a guide to help non-residents apply for a loan.
Moreover, we have also a list of car loans specifically designed for non-residents. So, please be sure to check this page as well. Please explore that page and find the right lender for you. Be sure to read through the terms, conditions, and features of the loan before you make your final decision.
Hope this helps.
Cheers,
Jonathan
I am a casual employee and make $5000 a month before tax I also receive single parenting payment how long do I need to be in employment before applying for a loan ? I am starting a second job soon too thanks
Hi Donna,
Thanks for your question.
I can’t find any information as to the required number of months you have been a casual employee before you can apply for BankSA Personal Loans. But you need to be over the age of 18 and a permanent Australian resident to apply for a loan with the same lender.
You may check our website for other loan options for casual employees.
Cheers,
Anndy
I am on a single DSP do you think I would be eligible for a loan.. after rent.. bills taken out by centrelink I pay for power.. food.. I have $550 fortnight left… I am in need of a car… I have found one that is $10,000… 6years old
Hi Maree,
Thanks for your question.
BankSA accepts all Centrelink payments as a form of income, for the purpose of a loan application, except Newstart. You may want to get in touch with BankSA directly and confirm your eligibility before applying.
Aside from BankSA, you may also want to check loans for Centrelink recipients featured on our website. Open that link and you should find a comparison table. Once you’re done comparing, please select the “Go to site” button to be safely redirected to your chosen lender.
Please make sure that you have read the relevant T&Cs or PDS of the loan products before making a decision. Moreover, check the eligibility requirements as well and consider whether the product is right for you.
Also if you can, contact first the lender and discuss your options and chances of approval before you send anything final for your application.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
Have a wonderful day!
Cheers,
Joshua
Cheers,
Anndy