---
title: "Used Car Loan Personal Lending 1-5 Years Fixed Unsecured — Bank First"
description: "Personal Loans from Bank First. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/bank-first/products/2bae1041-c011-47d3-87e4-ef71026ebcd7
source: "CDR Compare"
language: en-AU
last_updated: 2026-05-01T05:22:27.42926Z
---

# Used Car Loan Personal Lending 1-5 Years Fixed Unsecured — Bank First

> Personal Loans from Bank First. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Personal Loans · Bank First Production**

Used Car Loan Personal Lending 1-5 Years Fixed Unsecured

## At a glance

- **From:** 10.79% (12.16% comparison)

## Apply

Applications are handled by the provider: [Apply at Bank First](https://apply.bankfirst.com.au/Integate/frmIntegate.aspx?company=VTMB&merchant=VTMB&operator=WEB&encp=DCVQRsiMd4t5HMKYD2ht0jlNCxa%2b09p7HVdilWCCsu4%3d5egBQlp30a4TpwxSkFA8jw%3d%3d&product=AU_PL)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 1 year | 10.79% | 12.16% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Stamp Duty On Goods Security Agreement — Available upon application Government Charge (for interstate Goods Mortgage only). Fee at cost | Upfront | $0.00 |
| Arrears Fee — 7 · Payable immediately if all or any part of a repayment is 7 days in arrears. A further Arrears Fee of $20 is payable at the expiry of 30 days after the account falls into arrears if all or any part of the repayment remains in arrears. | Late payment | $20.00 |
| Loans With A Fixed Rate Term - Break Cost Fee — If the loan is paid out or transferred to a variable rate loan during the fixed rate period you will incur a break cost fee. Fee is at cost | Event | From $0.00 |
| Personal Loan Establishment Fee — Applies to all Personal Loan types whether secured or unsecured, and is only payable if the loan is funded. This fee is waived for First Home Buyer Package and Premier/Rewards Package Home Loan customers. · Discount −$195.00 — Fee Waived for Premier Package Home Loan (eligibility: Other: Fee Waived for Premier Package Home Loan) | Upfront | $195.00 |

## Features

- **PayID**
- **Digital banking**
- **Redraw facility** (Minimum of $500 per redraw)

## Eligibility

- **Residency status** — Individual applications must be permanent residents and joint accounts require at least one permanent resident as well as additional requirements for the non-residant applicants.
- **Minimum age** — 18 years
- **Available to Members only**

## Constraints

- **Minimum limit** — $5,000.00

## More information from Bank First

- [Overview](https://www.bankfirst.com.au/loans/car-loans/used-car-loans)
- [Terms & conditions](https://www.bankfirst.com.au/disclosure-documents)
- [Eligibility](https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_a.pdf?la=en&hash=1BD3E51F84EC9362648BB08285FA0082715FEDB6)
- [Fees & pricing](https://www.bankfirst.com.au/-/media/bankfirst/pdfs/termsandconditions/tc_part_b.pdf?la=en&hash=172D55D317D95FDB13F24CDFDE6D3B6B2E7C7F37)

## Data provenance

- Published by Bank First under the Consumer Data Right
- Product ID: `2bae1041-c011-47d3-87e4-ef71026ebcd7`
- Last updated by the provider: 1 May 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/bank-first/2bae1041-c011-47d3-87e4-ef71026ebcd7
- Provider page: https://www.cdrcompare.au/brands/bank-first
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000112

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/bank-first/products/2bae1041-c011-47d3-87e4-ef71026ebcd7) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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