Our unsecured personal loans could help you renovate your home, take a much needed holiday and more. You won't need any existing assets but if you do have security available or you're looking to buy a vehicle, head over to our secured personal loan or New Vehicle Loan page for a better rate.

Apply Now Repayment Calculator
Unsecured Personal Loan
9.49
%
P.A
Fixed Interest Rate
9.85
%
P.A
Comparison Rate*
Unsecured Personal Loan
$0
Monthly Fees
$0
Online Redraw Fees
  • Loans from $5k – $30k
  • No Penalties for Early Repayment
  • Unlimited Free Extra Repayments

Secured Personal Loan

Unsecured Personal Loan

New Vehicle Loan
Product Features
Minimum Loan Amount
$5,000 $5,000 $5,000
Maximum Loan Amount
$150,000 $30,000 $150,000
Minimum Loan Term
1 year 1 year 1 year
Maximum Loan Term
7 years 7 years 7 years
Additional Repayments Available
Yes Yes Yes
Product Features
Compare

Secured Personal Loan

Minimum Loan Amount
$5,000
Maximum Loan Amount
$150,000
Minimum Loan Term
1 year
Maximum Loan Term
7 years
Additional Repayments Available
Yes

Unsecured Personal Loan

Minimum Loan Amount
$5,000
Maximum Loan Amount
$30,000
Minimum Loan Term
1 year
Maximum Loan Term
7 years
Additional Repayments Available
Yes

New Vehicle Loan

Minimum Loan Amount
$5,000
Maximum Loan Amount
$150,000
Minimum Loan Term
1 year
Maximum Loan Term
7 years
Additional Repayments Available
Yes
Interest Rates

Secured Personal Loan

Unsecured Personal Loan

New Vehicle Loan
Variable Rate
7.49%pa

7.84%pa comparison rate*		 9.49%pa

9.85%pa comparison rate*		 6.49%pa

6.84%pa comparison rate*
Compare

Secured Personal Loan

Variable Rate
7.49%pa

7.84%pa comparison rate*

Unsecured Personal Loan

Variable Rate
9.49%pa

9.85%pa comparison rate*

New Vehicle Loan

Variable Rate
6.49%pa

6.84%pa comparison rate*
Interest Rate Schedule
Fees & Charges

Secured Personal Loan

Unsecured Personal Loan

New Vehicle Loan
Establishment Fee
$250 $250 $250
Other Fees
Security Variation
$50 - $50
Changes to Loan Contract
$150 $150 $150
Direct Debit Dishonour Fee
$15 $15 $15
Compare

Secured Personal Loan

Establishment Fee
$250

Unsecured Personal Loan

Establishment Fee
$250

New Vehicle Loan

Establishment Fee
$250
Other Fees
Compare

Secured Personal Loan

Security Variation
$50
Changes to Loan Contract
$150
Direct Debit Dishonour Fee
$15

Unsecured Personal Loan

Security Variation
-
Changes to Loan Contract
$150
Direct Debit Dishonour Fee
$15

New Vehicle Loan

Security Variation
$50
Changes to Loan Contract
$150
Direct Debit Dishonour Fee
$15
Fees & Charges Schedule
  • The Little Details

    Products issued by BankStead Capital Bank Ltd. Any advice given is of a general nature only and is not based on any consideration of your objectives, financial situation and needs. To decide if a product is right for you, please refer to the Summary of Accounts, Access Facilities and Transaction Limits. Eligibility criteria, fees and charges, terms and conditions apply.

    WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

    *The comparison rate is based on a $30,000 loan repayable over 5 years.

We have been with BCB for over 45 Years and for the last 24 of them with our business as well. The staff are amazing people to do your banking with and the loans division make every buying and selling experience so easy. Our little hiccups have never been a drama for the staff to help us solve and nothing is ever too much trouble to help us along the way to building our business through banking. Their rates are always competitive and we would never consider another bank or financial institution for all our needs. Loyal staff and loyal friends = Best Bank Ever.
Martin & Sarah
Buying Your First Home
James Adderley

Buying your first home can be a fun but daunting experience. Below is a brief summary of the process you may go through as a buyer from saving a deposit, to settling on your new home. Doing your research is essential to getting the right outcome from your property...

Buying your first home can be a fun but daunting experience. Below is a brief summary of the process...

Read More
Lenders Mortgage Insurance (LMI) Explained
James Adderley

Achieving the dream of home ownership can be one of the most exciting times in your life. At times however, it can seem unattainable due to how long it takes to save a deposit. Lenders' Mortgage Insurance (LMI) enables us to accept deposits less than 20% for some home...

Achieving the dream of home ownership can be one of the most exciting times in your life. At times...

Read More
Travel Money – What are my Options?
James Adderley

Security. Accessibility. Exchange rates. Hidden costs! These are all things we worry about when considering how to pay for expenses when travelling overseas. Whether you are a first time traveller or a seasoned nomad, assessing the options available before setting foot on the plane can make a big difference to...

Security. Accessibility. Exchange rates. Hidden costs! These are all things we worry about when considering how to pay for expenses...

Read More
What do comparison rates tell us?
James Adderley

Comparison rates help us to compare loan products. They are designed to enable us to compare apples with apples, when it comes to the total cost of lending products, but unfortunately they don't paint the whole picture. What is a Comparison Rate? A comparison rate provides a simplified way to compare...

Comparison rates help us to compare loan products. They are designed to enable us to compare apples with apples,...

Read More