---
title: "Personal Loan - Secured (residential) — Cairns bank"
description: "Personal Loans from Cairns bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/cairns-bank/products/L60_Secured_-_Residential
source: "CDR Compare"
language: en-AU
last_updated: 2026-06-05T09:12:47.000+10:00
---

# Personal Loan - Secured (residential) — Cairns bank

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

**Personal Loans · Cairns Bank**

You can use a Cairns Bank secured personal loan for almost anything, including home improvements, the holiday of a lifetime or a car for your children!

## At a glance

- **From:** 7.34% (8.21% comparison)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Secured by residential property) | 7.34% | 8.21% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| APPLICATION_FEE | Upfront | $200.00 |
| ACCOUNT_KEEPING_FEE | Ongoing | $12.00 |
| ARREARS_FEE — For loans in arrears two month or more | Ongoing | $25.00 |
| DISCHARGE_PREPARATION_FEE — When the balance is repaid in full and a Form 3 is prepared | Event | $60.00 |
| DISCHARGE_SETTLEMENT_FEE — When required to attend at settlement | Event | $100.00 |
| BANK_CHEQUE_FEE — Payable for each cheque from a Bank (other than Cairns Bank) you request | Event | $12.00 |
| CORPORATE_CHEQUE | Event | $10.00 |

## Eligibility

- **Individuals only**
- **Residency status** — Australian Citizen
- **Minimum age** — 18 years

## Constraints

- **Minimum limit** — $3,000.00

## More information from Cairns bank

- [Overview](https://cairnsbank.com.au/loans/personal-loans/)
- [Terms & conditions](https://cairnsbank.com.au/information-and-support/disclosure/terms-and-conditions/)
- [Fees & pricing](https://cairnsbank.com.au/information-and-support/disclosure/fees-and-charges/)

## Data provenance

- Published by Cairns bank under the Consumer Data Right
- Product ID: `L60_Secured_-_Residential`
- Last updated by the provider: 4 June 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/cairns-bank/L60_Secured_-_Residential
- Provider page: https://www.cdrcompare.au/brands/cairns-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000075

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/cairns-bank/products/L60_Secured_-_Residential) — 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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