---
title: "Consolidation Loan — Defence Bank"
description: "Personal Loans from Defence Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/defence-bank/products/377
source: "CDR Compare"
language: en-AU
last_updated: 2026-03-16T00:00:00.000+11:00
---

# Consolidation Loan — Defence Bank

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

**Personal Loans · Defence Bank Limited**

With no fees for extra repayments or early payouts as well as an easy online application process, our consolidation loan can get you back on track faster.

## At a glance

- **From:** 13.99% (14.93% comparison)

## Apply

Applications are handled by the provider: [Apply at Defence Bank](https://secure.defencebank.com.au/internetlending/public/start.aspx)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Choose a loan term from one to seven years) | 13.99% | 14.93% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Loan Application Fee — Payable on application approval | Event | $150.00 |
| Processing Fee (Security) — Payable on settlement | Event | $50.00 |
| Registration Fee (Security) — Payable on settlement | Event | $6.00 |
| Personal Loan Service Fee — Charged monthly · This fee is charged on the last day of each month during the loan term. | Ongoing | $10.00 |

## Features

- **Can make extra repayments.** — Additional repayments.
- **Quick approval process.**
- **Choice of 1-7 years.** — Term
- **Repayments Weekly, fortnightly, monthly.** — Repayment frequency
- **No exit fee.**
- **No early repayment fee.**
- **Digital banking** (Quick and easy online application.)

## Eligibility

- **Residency status** (Australian residents only.)
- **Minimum age** (18)
- **Individuals only** (Not available for non personal borrowers.)
- **Individuals must have capacity.** — Lending criteria.
- **New/Used.** — Purpose.
- **Motor Vehicle/Motor Cycle.** — Security
- **Security may be required.**

## Constraints

- **Minimum limit** — $1,000.00
- **Maximum limit** — $250,000.00 (Secured by motor vehicle)
- **Maximum limit** — $100,000.00 (unsecured)

## More information from Defence Bank

- [Overview](https://www.defencebank.com.au/banking/personal-and-car-loans/)
- [Terms & conditions](https://www.defencebank.com.au/banking/personal-and-car-loans/consolidation-loan/)
- [Eligibility](https://www.defencebank.com.au/banking/personal-and-car-loans/consolidation-loan/)
- [Fees & pricing](https://www.defencebank.com.au/banking/personal-and-car-loans/consolidation-loan/)

## Data provenance

- Published by Defence Bank under the Consumer Data Right
- Product ID: `377`
- Last updated by the provider: 15 March 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/defence-bank/377
- Provider page: https://www.cdrcompare.au/brands/defence-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000117

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/defence-bank/products/377) — 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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