HomePersonal LoansBankSAUnsecured Fixed Rate Personal Loan

BankSA Unsecured Fixed Rate Personal Loan

The BankSA Unsecured Fixed Rate Personal Loan offers rates from 7.49% p.a. (8.54% p.a. comparison rate*). on loans of $2,000 to $50,000.


Updated 10 July 2025


Fact checked and verified. Updated 10 July 2025
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Expert Review

The BankSA Unsecured Fixed Rate Personal Loan is an unsecured loan featuring a fixed interest rate ranging from 7.49% to 20.59% p.a., with a comparison rate between 8.54% and 21.59% p.a.* Borrowers can apply for amounts from $2,000 up to $50,000, with flexible loan terms spanning one to seven years. An establishment fee of $250 applies at the outset, along with an ongoing monthly fee of $15. A loan closure fee of $150 may also be charged if the loan is repaid early.

According to Stay or Go's personal loan comparison review, this product ranks among the 25% lowest interest rates available for unsecured fixed rate loans on the market. It may be a good choice if you’re looking to consolidate debt, renovate your house, go on that trip, and appreciate the certainty of fixed repayment amounts. Additionally, borrowers benefit from same-day loan financing for timely access to funds when needed.

Product Details
Fees

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$250 establishment fee

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$15 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 7.49% to 20.59% p.a.

Loan Amount

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From $2,000 to $50,000

Loan Terms

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

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Unsecured 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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