---
title: "Sapphire Fair Rate Personal Loan Variable P&I — Unity Bank"
description: "Personal Loans from Unity Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/unity-bank/products/L19_SAPPPFRL_PRIN
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-01T15:50:41.000+10:00
---

# Sapphire Fair Rate Personal Loan Variable P&I — Unity Bank

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

**Personal Loans · UNITY BANK**

Our Fair Rate Personal Loan can help fund or partially fund holidays and travel, renovations, wedding plans and debt consolidation. The rate is guided by your credit worthiness and borrowing history.

## At a glance

- **From:** 10.99% (11% comparison)

## Apply

Applications are handled by the provider: [Apply at Unity Bank](https://www.unity.bank/help/apply-online/apply-online/)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (The rate on our Fair Rate Personal Loan is guided by your credit worthiness - so you may be rewarded with a better rate based on your borrowing history. The comparison rate is based on unsecured $30,000 loan over 5 years. It refers to the examples given and may not include all fees and charges. Different tiers, fees or other loan amounts might result in a different comparison rate.) | 10.99% | 11% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| LOAN_ESTABLISHMENT_FEE_-_PERSONAL_LOAN_(NEW) — A fee charged to set up a new personal loan | Upfront | $150.00 |
| LOAN_ESTABLISHMENT_FEE_-_PERSONAL_LOAN_(TOP_UP) — A fee charged to vary the value of an existing personal loan | Upfront | $100.00 |
| LATE_PAYMENT_FEE — A fee charged when you don't make your minimum monthly payment, plus any overdue amount | Event | $15.00 |
| DEFAULT_NOTICE_FEE — A fee charged if you default on your repayments and we issue a default notice | Event | $50.00 |
| PAPER_STATEMENT_FEE — Charged monthly · A fee charged to cover the cost of producing and sending paper statements | Ongoing | $2.00 |

## Features

- **Redraw facility** (Free access to your cash with our redraw facility (minimum $100 redraw amount))
- **PayID** (Get faster payments between participating banks, anytime with Pay ID)
- **Real-time payments (NPP)**
- **1 to 7 years**
- **Flexible repayment options weekly, fortnightly or monthly**
- **You can make extra repayments or repay your loan in full at any time. Extra repayments may enable you to redraw funds, subject to conditions**
- **Digital banking** (24/7 access via internet banking and mobile app)
- **Increase your existing loan for an effective way to get access to extra funds**
- **The interest rate on your loan is guided by your creditworthiness, potentially rewarding you with a better rate based on your borrowing history**

## Eligibility

- **Minimum age** — 18 years (Individuals must have the legal capacity to enter into the loan contract, provide acceptable identification documentation and be 18 years or older)
- **Employment status** — Employed
- **Residency status** — Permanent Resident (You must be an Australian citizen or permanent resident to apply)
- **Applications for credit are subject to eligibility and suitability criteria and normal credit approval process.**

## Constraints

- **Minimum balance** — $1,000.00
- **Maximum balance** — $90,000.00

## More information from Unity Bank

- [Overview](https://www.unity.bank/personal-loans/get-a-personal-loan/fair-rate-personal-loan/)
- [Terms & conditions](https://www.unity.bank/reusable-documents/disclosure-documents/account-and-access-facility-conditions-of-use/)
- [Eligibility](https://www.unity.bank/personal-loans/get-a-personal-loan/fair-rate-personal-loan/)
- [Fees & pricing](https://www.unity.bank/help/rates-fees/)

## Data provenance

- Published by Unity Bank under the Consumer Data Right
- Product ID: `L19_SAPPPFRL_PRIN`
- Last updated by the provider: 1 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/unity-bank/L19_SAPPPFRL_PRIN
- Provider page: https://www.cdrcompare.au/brands/unity-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000182

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/unity-bank/products/L19_SAPPPFRL_PRIN) — 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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