SERVICE ONE Members Banking

1-year intro
fixed home loan
6.05% pa 6.89% pa (comp rate)
Fixed rate car loan
8.49% pa 8.87% pa (comp rate)

60 month $5k+
term deposit
5.30% pa
 

Fixed Rate Personal Loan

Thinking about a holiday, renovating your kitchen or looking to refinance your personal debt? SERVICE ONE's fixed rate personal loan provides security of repayment amounts for the period of the loan, and allows you to budget with confidence. A summary of this product's features is offered below:

Interest rate 9.40% p.a. (interest rate) 9.99% p.a. (comparison rate)^. Fixed for the life of the loan. View all our interest rates.
Security

Loan must be secured by:

  • Secured by a new car (or other registered motor vehicle: motor bike, motor home or truck, a caravan or boat) up to 3 years old
  • a term deposit held with SERVICE ONE equal to or more than the total loan, or
  • a residential mortgage.
Maximum amount You can borrow up to $50,000.
Loan period Up to 5 years.
Flexible repayments Monthly repayments, or your choice of fortnightly or weekly - helping you reduce the term of the loan, saving you money.
Variable and lump sum payments Pay off your loan sooner by making variable and lump sum repayments.**
Redraw facility Extra repayments can be made against your loan at any time, reducing the principal outstanding and consequently reducing the interest charged against the loan. You can withdraw part or all of these extra repayments.
Auto repayments (salary/account) Yes, easy and convenient repayments to avoid late fees.
Loan Repayment Insurance This insurance helps you cover your loan repayments should the unexpected occur.

In addition:

 
  • Conditional approval can be granted quickly upon receipt of your completed application.
  • You will take advantage of discounts on your everyday banking.*

^ Comparison rate calculated on a secured loan amount of $30,000 over a term of 5 years based on monthly repayments.

* Discounts on everyday banking will depend upon your average relationship balance (including loan balances). View SERVICE ONE's Schedule of Fees and Charges for more information.

** Early repayment fees may apply.

Terms and conditions and fees and charges are payable and details on these fees are available in SERVICE ONE's Schedule of Fees and Charges. All loan applications are subject to SERVICE ONE's standard lending criteria. Some loan services may require a separate application and are subject to assessment.

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