Personal loan · Unsecured · Variable
Unsecured Personal Loan
12.95%comparison rate p.a.
from 12.95% advertised · Unsecured · variable · any purpose
70th of 84 unsecured loans
Comparison rates are based on a loan of $30,000 over 5 years, secured or unsecured as each loan is. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
No application, monthly or annual fee.
- Advertised rate
- from 12.95% p.a.
- Application fee
- None
- Loan amount
- $500 – $30,000
- Minimum age
- 18
- Comparison rate
- 12.95% p.a.
- Monthly fee
- None
- Advertised rate
- from 12.95% p.a.
- Comparison rate
- 12.95% p.a.
- Rate type
- Variable
- Application fee
- None
- Monthly fee
- None
- Annual fee
- None
- Early repayment fee
- None
- Loan amount
- $500 – $30,000
- Loan term
- Up to 5 years
- Extra repayments
- Yes
- Early payout
- Yes
- Redraw
- Yes
- Flexible repayment frequency
- Yes
- Minimum age
- 18
- Residency
- Australian residents only
- Unsecured Personal Loan
- RBA cash rate
- Unsecured average
No changes recorded for this product since tracking began on 26 September 2026.
Also from SWSbank: 5 Year Variable Interest Vehicle Loan 5.79% · Fixed Rate Vehicle Loan 5.99% · 7 Year Variable Interest Vehicle Loan 6.00% · Secured Personal Loan 8.50%
As of 23 October 2026, the SWSbank Unsecured Personal Loan has a comparison rate of 12.95% (from 12.95% advertised), ranking 70th of 84 unsecured loans tracked by BankMate and sitting 2.32 points above the unsecured market average of 10.63%. It is an unsecured variable-rate loan for any purpose with fees of no fees. Lenders publish the lowest rate in their range; the rate offered depends on the applicant. From the provider's Consumer Data Right feed, refreshed nightly.