Ruby Fair Rate Personal Loan Variable P&I

As of 18 September 2026, the Unity Bank Ruby Fair Rate Personal Loan Variable P&I has a comparison rate of 13.01% (from 12.99% advertised), ranking 182nd of 212 unsecured loans tracked by BankMate and sitting 4.12 points below the unsecured market average of 17.13%. It is an unsecured variable-rate loan for debt consolidation with fees of $150 application · $2 a month. Lenders publish the lowest rate in their range; the rate offered depends on the applicant.

13.01%comparison rate p.a.

from 12.99% advertised · Unsecured · variable · debt consolidation

Fees: $150 application · $2/mo.

Go to Unity Bank

Rate over time

Comparison rate · lenders publish the lowest rate in their range

Ruby Fair Rate Personal Loan Variable P&I
RBA cash rate
Unsecured average

Changes

No changes recorded for this product since tracking began on 12 September 2026.

Rates

Advertised rate: from 12.99% p.a.
Comparison rate: 13.01% p.a.
Rate type: Variable

Fees

Application fee: $150
Monthly fee: $2
Annual fee: None
Early repayment fee: None
Late payment fee: $15

Loan terms

Loan amount: $1,000 – $90,000
Extra repayments: Yes
Early payout: Yes
Redraw: Yes
Flexible repayment frequency: Yes

Eligibility

Minimum age: 18
Residency: Australian residents only

About this product

Our Fair Rate Personal Loan can help fund or partially fund holidays and travel, renovations, wedding plans and debt consolidation. The rate is guided by your credit worthiness and borrowing history.

Compare all personal loans