HomePersonal LoansBankSASecured Fixed Rate Personal Loan

BankSA Secured Fixed Rate Personal Loan

The BankSA Secured Fixed Rate Personal Loan offers rates from 6.49% p.a. (7.69% p.a. comparison rate*). on loans of $3,000 to $100,000.


Updated 23 June 2025


Fact checked and verified. Updated 23 June 2025
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Expert Review

The BankSA Secured Fixed Rate Personal Loan provides a secured borrowing option. Interest rates are fixed, ranging from 6.49% to 12.99% p.a. The comparison rate varies between 7.69% and 14.14% p.a.* Loan amounts range from $3,000 to $100,000. Terms are flexible, lasting from one to seven years. There is an establishment fee of $195. Monthly ongoing fees of $12 apply. A loan closure fee of $150 may be charged in some cases.

This loan product is great for individuals looking to finance a vehicle purchase. It offers fixed repayment amounts throughout the loan term. Borrowers benefit from predictable payments. By locking in interest rates, they can better manage their budgets. There is no need to worry about payment changes caused by variable rates or market fluctuations.

Product Details
Fees

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$195 establishment fee

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$12 ongoing monthly fee

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$150 early repayment fee may apply

Other fees may apply.

Rates

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Fixed rate from 6.49% to 12.99% p.a.

Loan Amount

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From $3,000 to $100,000

Loan Terms

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1, 2, 3, 4, 5, 6 or 7 years

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Secured loan

TMD

Before applying for this product, you should read the Target Market Determination (TMD) available here on the BankSA website.

More information
The comparison rates on this page are based on either a $30,000 loan over 5 years, or a $10,000 loan 3 years, as indicated with each rate. WARNING: This comparison rate applies only to the example given and may not include all fees and charges. Different terms, fees or loan amounts might result in different comparison rates.
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