--- title: "Personal Loan — Border Bank" description: "Personal Loans from Border Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/border-bank/products/26afd8c7-891f-4e32-87ff-2549b5d67885 source: "CDR Compare" language: en-AU last_updated: 2026-08-28T02:56:19.902Z --- # Personal Loan — Border Bank > Personal Loans from Border Bank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Personal Loans** Borrow for any worthwhile purpose from the latest in big ticket electronics, white goods and household items to holidays, cars, boats and bikes. ## At a glance - **From:** 9.99% (10.13% comparison) ## Apply Applications are handled by the provider: [Apply at Border Bank](https://www.borderbank.com.au/apply/) ## Interest rates | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Variable (Standard Regulated L9-C1) | 9.99% | 10.13% | — | | Fixed · 7 years (Fixed Rate Personal Loan - Fixed Rate Terms: 1-7 Years - L89-C1) | 12.99% | 13.14% | — | ## Fees | Fee | Type | Amount | | --- | --- | --- | | Default Notice Fee — Payable when we send you a default notice under a loan contract when an arrears remains unremedied after we have sent you an arrears letter. | Event | $21.50 | | Personal Loan Establishment fee — Payable when your loan is funded | Upfront | $98.00 | | PPSR — At Cost. Certain loans will require us to use the services of PPSR. If we do so, the following may be payable: • PPSR Registration Fee • PPSR Financier Interest Enquiry • PPSR Variation of Interest | Upfront | $0.00 | | Additional Statement Fee — $5 for Archive Retrieval and $1.50 per page. Payable when you request an additional statement. | Event | $5.00 | | Overdrawn Account Fee — Payable when you exceed your credit limit by $75 or more within a calendar month. Interest will also be charged on any amount overdrawn in excess of the approved credit limit at the then current annual percentage rate | Event | $15.00 | | Arrears Letter Fee — Payable when we send you an arrears letter asking you to remedy an arrears under a loan contract. | Event | $6.50 | | Late Payment Fee — Charged where the whole or any part of your loan repayment remains unpaid after 14 days past the due date. Applies to all Border Bank loans and continuing credit accounts. | Event | $10.00 | ## Features - **Unlimited free additional repayments** - **No Monthly Account Keeping Fees** - **Redraw facility** (Fee free Redraw. Only available on Variable) - **Reduced Fees Program. Your Border Bank Personal Loan may contribute to our Reduced Fees Program, helping to reduce (or eliminate) fees – save on ATM and EFTPOS transactions (as well as qualify for fee rebates), personal cheques and external electronic periodical payments.** - **Direct Credits. Set regular payments like your pay sent straight to your account** - **Real-time payments (NPP)** (Yes) - **Digital wallet** — Google Pay (Pay with your Border Bank Visa Debit Cards using Google Pay) - **Direct Debits. Set up Direct Debits from this account** - **Interest-free period** — 55 days - **ATM withdrawals. up to $1000** - **Periodical Payments. Can set up Periodical Payments** - **PayID** (Email Address. Select the Contact Method that you would like to use for your PayID i.e. your mobile number or email address.) - **Bank@Post. Withdraw cash at any participating Australia Post outlets with Bank@POST™** - **Verified by Visa. Verified by Visa is a service designed to ensure you are protected while shopping online with your Visa card. As you make a purchase online, Border Bank assesses the risk of the transaction based on a number of factors. In some instances, you may be asked to confirm some personal details (date of birth, mother's maiden name, address details) so Border Bank can be sure the card isn't being used without your permission.** - **Digital wallet** — Apple Pay (Pay with your Border Bank Visa Debit Cards using Apple Pay) - **Digital banking** (Internet Banking. You can pay bills via BPAY and check your account details or make transfers anytime or anywhere using our online with Internet Banking – service is free.) - **Card access** — Credit Card (Can be used at over 29 million Visa outlets in over 250 countries around the world) - **PayID** (Mobile Number. Select the Contact Method that you would like to use for your PayID i.e. your mobile number or email address.) - **Visa PayWave. Our Debit Card is issued with the Visa PayWave ‘contactless’ payment feature. This allows you to pay for purchases under $100 without swiping, signing, or entering a PIN at participating merchants.** - **Digital wallet** — Samsung Pay (Pay with your Border Bank Visa Debit Cards using Samsung Pay) - **Visa Preferred Rewards. Our Visa Card provides access to the Visa Entertainment program. This gives you the opportunity to purchase unique deals including preferred seating at special events, discounts on retail as well as other exclusive offers** - **Confirmation Of Payee** ## Eligibility - **Residency status** — Australian Residents - **Minimum age** — 18 years - **Residency status** — Australian Citizens ## Constraints - **Minimum limit** — $5,000.00 ## More information from Border Bank - [Overview](https://www.borderbank.com.au/loans/personal-loans/) - [Terms & conditions](https://www.borderbank.com.au/important-documents) - [Eligibility](https://cdn.mediavalet.com/aunsw/policebank/Eomq4k4u7E64WMMeDkA69w/LV6pLGeSDkqIeXbaXWV0pw/Original/BBPL_Personal-Loan-TMD.pdf) - [Fees & pricing](https://www.borderbank.com.au/wp-content/uploads/2023/07/Schedule_of_fees_and_charges.pdf) ## Data provenance - Published by Border Bank under the Consumer Data Right - Product ID: `26afd8c7-891f-4e32-87ff-2549b5d67885` - Last updated by the provider: 28 August 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/border-bank/26afd8c7-891f-4e32-87ff-2549b5d67885 - Provider page: https://www.cdrcompare.au/brands/border-bank - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000392 --- Source: [CDR Compare](https://www.cdrcompare.au/brands/border-bank/products/26afd8c7-891f-4e32-87ff-2549b5d67885) — product data published by Australian data holders under the Consumer Data Right. 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