Unsecured Personal loan
The Unsecured Personal Loan has a low fixed rate with flexible repayment options. The Partially Secured option for this product is no longer available.
- From
- 8.99%
- 9.35% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Fixed · 7 years | 8.99% | 9.35% | Personal Loan Term |
Fees
| Fee | Type | Amount |
|---|---|---|
| Settlement Financial Institution Cheque Fee Capped at $0.00 · First cheque free, thereafter $5 per cheque. Third party fees at cost and unascertainable. | Withdrawal | Variable |
| Application Fee Assessing and processing your loan application can be an involved process, requiring the expertise of trained assessors. For this reason, an application fee is payable upon advance of your loan. | Upfront | $250.00 |
| Dishonour Fee Capped at $0.00 · A dishonour fee is payable when a payment direction you make, such as a direct debit, salary deduction or automatic transfer is dishonoured. The dishonour fee is per dishonour. | Dishonour | $9.00 |
| Default Administration Fee 2 Capped at $0.00 · Where more than one repayment is in default (the fee will be charged the month the payment is due and each later month until the month after you pay the amount). | Late payment | $50.00 |
| Electronic Transfer Fee Capped at $0.00 · Payable to us when we are required to electronically transfer money for settlement. | Withdrawal | $30.00 |
| Default Administration Fee 1 |
Features
- Flexible repayment options - Minimum monthly principal and interest repayments with weekly and fortnightly options available.
- Extra repayments
- You can make regular additional repayments and extra lump sum payments.
- Digital banking
Eligibility
- Residency status — Must live in Australia and be either: an Australian citizen, an Australian permanent resident or a New Zealand citizen
- Minimum age — 18 years
- The Partially Secured option was terminated from 24/03/2025. The Unsecured option remains available for new Personal Loans.
- Individuals only
Constraints
- Maximum limit — $50,000.00This maximum loan limit applies for unsecured loans.
- Minimum limit — $5,000.00
More Information
Published by Newcastle Permanent Building Society under the Consumer Data Right · Last updated 24 June 2026 · Product ID PL_partiallysecured · View on CDR.gov.au