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Personal Loans

Reach your goal faster with an Australian Unity personal loan

A good bank understands your focus is the home renovation, the overseas trip or the car not the actual loan – That’s why we offer flexible personal loan options with competitive rates and low fees.

This loan may suit you, if you:

  • Want a competitive interest rate personal loan (secured or unsecured) to make a large purchase on credit.
  • Need the flexibility to make unlimited extra repayments and redraw extra money on variable rate loans if your loan is paid in advance.
  • Need a loan for personal purposes such as buying a car, motorcycle, caravan, make home improvements, take a holiday or debt consolidation. 
Australian Unity Banking Home Loan Kickstarter Package
Up to
6.99%p.a. Fixed Rate
8.34%p.a. Comparison rate1
Whether you’re upgrading, upsizing or buying your first car, you can get it faster with our fixed interest car loan. Borrow $5,000 or more and enjoy a great low fixed rate on a loan term up to 7 years when buying a new or second hand car less than 5 years old.
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Up to
8.99%p.a. Variable rate
10.34%p.a. Comparison rate1
This handy loan lets you fund a range of spending, from holidays to house renovations. Loans start at $5,000 and are secured against an asset of a greater or equal value (such as a Term Deposit with us).



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Up to
14.99%p.a. Variable rate
16.36%p.a. Comparison Rate2

If you don’t want to secure your loan against an asset, but you have something you need to fund (like a holiday or a house renovation) this may be the loan for you. It’s also great for consolidating credit card debt.

Loan amounts can be between $5,000 up to $20,000.





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Whether it’s understanding terminology, you’re looking to apply or you have a question about your account we can help you with all your banking questions.

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Important information

Fees, charges and lending criteria apply and product terms and conditions available on application. Please refer to Terms of Use before applying for any product.

Terms & Conditions

Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you and read the relevant terms and conditions (including Terms of Use), any Product Disclosure Statement (if applicable) and Financial Services Guide before acquiring any product.

1 Comparison rate calculation is based on a secured loan of $10,000 for a term of 3 years with fortnightly repayments unless otherwise stated. WARNING: This Comparison Rate applies only to the examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers are not included in the comparison rate but may influence the cost of the loan. 

2 Comparison rate calculation is based on an unsecured loan of $10,000 for a term of 3 years with fortnightly repayments unless otherwise stated. WARNING: The Comparison Rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers are not included in the comparison rate but may influence the cost of the loan.

What is a Comparison Rate? To find out more click here.

Fees and Charges  Refer to Fees and Charges for information on current fees and charges.

Our Target Market Determinations are available here.