---
title: "Personal Loan — Bank of us"
description: "Personal Loans from Bank of us. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/bank-of-us/products/Personal_Loan
source: "CDR Compare"
language: en-AU
last_updated: 2026-06-04T08:08:29.000+10:00
---

# Personal Loan — Bank of us

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

**Personal Loans**

With low interest rates, fast approval and flexible repayment options, you can?t go past a Bank of us personal loan. From amounts as little as $3,000, our personal loans are straightforward and super

## At a glance

- **From (investment):** 6.49% (6.77% comparison)

## Apply

Applications are handled by the provider: [Apply at Bank of us](https://bankofus.com.au/personal-loans)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (SAVVY SWITCH - SECURED PERSONAL LOAN) | 6.49% | 6.77% | — |
| Variable (VEHICLE PERSONAL LOAN - vehicle less than 2 years old) | 6.99% | 7.27% | — |
| Variable (SAVVY SWITCH - UNSECURED PERSONAL LOAN) | 7.49% | 7.77% | — |
| Variable (VEHICLE PERSONAL LOAN - vehicle between 2 and 7 years old) | 8.99% | 9.28% | — |
| Variable (UNSECURED PERSONAL LOAN) | 10.99% | 11.28% | — |
| Variable (VEHICLE PERSONAL LOAN - vehicle more than 7 years old) | 10.99% | 11.28% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| PERSONAL_LOAN_APPLICATION_FEE | Upfront | $200.00 |
| SPECIAL_ATTENDANCE_FEE — per attendance plus any amounts incurred by us in attending such requests, such as valuation fees, mortgage insurance premium, lender   s risk and processing fee, legal costs, document custodian charges, titles office fees and electronic processing fees all of which are unascertainable at the disclosure date. | Event | $300.00 |
| ARREARS_FEE — Payable in each instance you are in default under this contract. This fee will be debited to your loan account on the next business day. | Event | $40.00 |
| EVIDENCE_RETRIEVAL_FEE — Applies where you request us to retrieve the paper item or evidence supporting a transaction. The fee is debited to your account when the required documentation is provided to you. Please note that the fee is not applicable where evidence shows that you did not initiate the transaction. | Event | $20.00 |
| CHEQUE_DISHONOUR_(INWARD)_FEE — Applies where a cheque paid into your account with us is dishonoured. The fee is debited to your account on the date of dishonour. | Event | $12.00 |
| DUPLICATE_STATEMENT_FEE — Payable for each duplicate paper copy of your monthly statement you request. Charged at the time of your request. | Event | $5.00 |

## Features

- **Redraw facility** (If your loan is in advance then redraw is available. Redraw is available same day without fees.)
- **Digital banking**
- **Extra repayments**
- **Real-time payments (NPP)**

## Eligibility

- **Minimum age** — 18 years
- **Residency status** (Should be a citizen or permanent resident of Australia. Temporary residents may be eligible if holders of an acceptable employer supported visa.)
- **Individuals only**

## Constraints

- **Maximum balance** — $80,000.00
- **Minimum balance** — $3,000.00

## More information from Bank of us

- [Overview](https://bankofus.com.au/personal-loans)
- [Terms & conditions](https://bankofus.com.au/source-assets/documents/compliance/Consumer-Standard-Terms-and-Conditions.pdf)
- [Eligibility](https://bankofus.com.au/personal-loans)
- [Fees & pricing](https://bankofus.com.au/personal-loan-interest-rates)

## Data provenance

- Published by Bank of us under the Consumer Data Right
- Product ID: `Personal_Loan`
- Last updated by the provider: 3 June 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/bank-of-us/Personal_Loan
- Provider page: https://www.cdrcompare.au/brands/bank-of-us
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000236

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/bank-of-us/products/Personal_Loan) — 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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