Consumer Loan Comparison Table

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	New Car Loan- Fixed Rate	New Car Loan - Variable Rate
Interest Rates
Variable interest rate	N/A	6.69% pa
Fixed interest rate	6.69% pa	N/A
Comparison rate	7.55% pa¹	7.55% pa
Fees
Establishment fee	$200	$200
Monthly fee	$8	$8
Features
Minimum amount	$5000	$5000
Maximum amount	$100000	$100000
Loan term	up to 5 Years	1 to 7 Years²
Redraw facility	Yes ³	Yes ³
Additional repayments accepted	Yes ⁴	Yes ⁴

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	Unsecured Personal Loan	Secured Personal Loan
Interest Rates
Variable interest rate	10.99% pa	6.79% pa
Fixed interest rate	14.00% pa	N/A
Comparison rate	11.82% pa⁵	7.64% pa
Fixed Rate Comparison Rate	14.82% pa⁵	N/A
Secured by Vehicle 0 to 5 yrs or Term Deposit
0 - 5 yrs - Variable Secured Rate	N/A	6.79% pa
0 - 5 yrs - Variable Secured Comparison Rate	N/A	7.64% pa
0 - 5 yrs - Fixed Secured Rate	N/A	7.99% pa
0 - 5 yrs - Fixed Secured Comparison Rate	N/A	8.84% pa
Secured by Vehicle 6 to 10 yrs or Term Deposit
6 - 10 yrs Variable Secured Rate	N/A	8.99% pa
6 - 10 yrs Variable Secured Comparison Rate	N/A	9.83% pa
6 - 10 yrs Fixed Secured Rate	N/A	9.99% pa
6 - 10 yrs Fixed Secured Comparison Rate	N/A	10.83% pa
Fees
Establishment fee	$200	$200
Monthly fee	$8	$8
Features
Minimum amount	$5000	$5000
Maximum amount	$25000	$100000
Loan term	1 to 5 years	1 to 5 year term fixed or 1 to 7 years variable²
Redraw facility	Yes	Yes ³
Additional repayments accepted	Yes	Yes ⁴

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	New Car Loan - Variable Rate	Used Car Loan - Variable Rate
Interest Rates
Variable interest rate	6.69% pa	8.99% pa
Comparison rate	7.55% pa	9.83% pa⁶
Fees
Establishment fee	$200	$200
Monthly fee	$8	$8
Features
Minimum amount	$5000	$5000
Maximum amount	$100000	$100000
Loan term	1 to 7 Years²	5 years
Redraw facility	Yes ³	Yes ³
Additional repayments accepted	Yes ⁴	Yes ⁴

Additional Product Information:

_{Important Information:}

¹ This rate applies to secured loans with 5 year terms for $30,000. WARNING This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

² Term depends on security offered. Loans secured by vehicle 6-10 yrs have a loan term of 1-5 years only

³ Minimum redraw is $200

⁴ For Fixed Rate - make extra repayments totaling up to $10,000 over 12 months (as 2 x $5,000 lump sums) during any fixed rate period

⁵ These comparison rates apply to unsecured loans with 5 year terms for $30,000. WARNING These comparison rates apply only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

⁶ This rate applies to secured loans with 5 year terms for $30,000. WARNING This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.