Choose the version of this loan that suits you best
| Loan type | Name | Min loan amount | Max loan amount | |
|---|---|---|---|---|
|
|
variable | All Purpose Loan (Variable, Unsecured) | $4,000 | $80,000 |
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|
Fixed | All Purpose Loan (Fixed, Unsecured) | $4,000 | $80,000 |
After a loan that could fund your next vehicle purchase, consolidate your debt or cover your wedding? Say hello to the UniBank All Purpose Personal Loan. This product comes with two options: fixed or variable. Plus, no matter what you choose there are minimal fees and flexible repayment options. Not only that, the fixed version of this loan snapped up a 2024 Mozo Experts Choice Award for Unsecured Personal Loan.
The UniBank All Purpose Personal Loan is an unsecured product that is all about choice from the interest rate type and loan length to making repayments. Plus, it can be used to fund a range of things from debt consolidation, a wedding, a holiday or even a big purchase like a car.
On the one hand, the fixed rate option sits at 8.75% p.a. (8.89% p.a. comparison rate*) which remains the same over the life of a 2 to 6 year loan. Alternatively, the variable rate option comes with a 11.99% p.a (12.14% p.a. comparison rate*) which can change during your loan term (anywhere between 0 and 6 years) if the market moves and UniBank decides to shift rates.
Both the fixed and variable options come with the same choice of repayment schedule, allowing borrowers to pay either on a weekly, fortnightly or monthly basis. Similarly, both offerings allow customers to make extra repayments and access a redraw facility if they want to. It’s important to note though, for the variable option there is no early repayment penalty for those that pay off their entire debt ahead of time. However, bear in mind that an early repayment penalty will be calculated at cost for fixed rate loans.
Need more convincing? If you have your eyes on a pre-loved set of wheels, you’ll be pleased to know that the fixed rate UniBank All Purpose Personal Loan snapped up a 2024 Mozo Experts Choice Award for Unsecured Personal Loan.
This loan is a good option for anyone looking to borrow between $4,000 and $80,000 and needs the freedom to personalise their loan whether it’s interest rate type, repayment schedule or loan term (or all of the above).
While there is no ongoing service charge attached to this loan, don’t forget to budget in the upfront $100 fee. Plus, ensure you make your regular repayments on time otherwise you’ll have to cough up a $10 late payment fee each time you miss one.
|
variable |
|
|
11.99% p.a.variable |
|
|
12.69% p.a.based on $10,000 |
|
$100.00 |
|
|
$0.00 |
|
|
$10.00 |
|
|
$0.00 |
|
|
0 |
|
$4,000.00 |
|
|
$80,000.00 |
|
|
1 Year |
|
|
6 Years |
|
|
Unsecured |
|
- |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes |
|
|
yes |
|
|
none |
|
|
none |
WARNING: The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a personal loan. The comparison rates displayed are calculated based on a loan of $30,000 for a term of 5 years or a loan of $10,000 for a term of 3 years as indicated, based on monthly principal and interest repayments, on a secured basis for secured loans and an unsecured basis for unsecured loans. 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.
|
Fixed |
|
|
8.75% p.a. fixed |
|
|
9.44% p.a.based on $10,000 |
|
$100.00 |
|
|
$0.00 |
|
|
$10.00 |
|
|
$0.00 |
|
|
At cost |
|
$4,000.00 |
|
|
$80,000.00 |
|
|
2 Years |
|
|
6 Years |
|
|
Unsecured |
|
- |
|
|
Weekly, Fortnightly, Monthly |
|
|
yes |
|
|
yes |
|
|
none |
|
|
none |
WARNING: The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a personal loan. The comparison rates displayed are calculated based on a loan of $30,000 for a term of 5 years or a loan of $10,000 for a term of 3 years as indicated, based on monthly principal and interest repayments, on a secured basis for secured loans and an unsecured basis for unsecured loans. 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.
Unsecured Personal Loan
6.75% p.a.to 26.95% p.a.
6.75% p.a.to 26.95% p.a.based on $30,000
over 5 years
Unsecured Personal Loan
5.76% p.a.to 24.03% p.a.
6.55% p.a.to 24.98% p.a.based on $30,000
over 5 years
Low Rate Personal Loan
6.57% p.a.to 8.48% p.a.
7.19% p.a.to 8.84% p.a.based on $30,000
over 5 years
Express Personal Loan
14.95% p.a.to 27.95% p.a.
29.30% p.a.to 42.8% p.a.based on $10,000
over 3 years
Debt Consolidation
6.57% p.a.to 18.99% p.a.
7.19% p.a.to 19.39% p.a.based on $30,000
over 5 years
Debt Consolidation
5.76% p.a.to 24.03% p.a.
6.57% p.a.to 24.99% p.a.based on $30,000
over 5 years
Express Personal Loan
14.95% p.a.to 27.95% p.a.
29.30% p.a.to 42.8% p.a.based on $10,000
over 3 years
Clean Green Car Loan
7.69% p.a.
8.80% p.a.based on $30,000
over 5 years
Unsecured Personal Loan
6.75% p.a.to 26.95% p.a.
6.75% p.a.to 26.95% p.a.based on $30,000
over 5 years
Low Rate Personal Loan
6.57% p.a.to 8.48% p.a.
7.19% p.a.to 8.84% p.a.based on $30,000
over 5 years
Unsecured Personal Loan
5.76% p.a.to 24.03% p.a.
6.55% p.a.to 24.98% p.a.based on $30,000
over 5 years
Express Personal Loan
14.95% p.a.to 27.95% p.a.
29.30% p.a.to 42.8% p.a.based on $10,000
over 3 years
Low Rate Personal Loan
9.14% p.a.to 11.19% p.a.
9.50% p.a.to 11.56% p.a.based on $30,000
over 5 years
Debt Consolidation
5.76% p.a.to 24.03% p.a.
6.57% p.a.to 24.99% p.a.based on $30,000
over 5 years
Unsecured Personal Loan
6.75% p.a.to 26.95% p.a.
6.75% p.a.to 26.95% p.a.based on $30,000
over 5 years
Debt Consolidation
5.76% p.a.to 24.03% p.a.
6.57% p.a.to 24.99% p.a.based on $30,000
over 5 years
Unsecured Personal Loan
6.75% p.a.to 26.95% p.a.
6.75% p.a.to 26.95% p.a.based on $30,000
over 5 years
Unsecured Personal Loan
5.76% p.a.to 24.03% p.a.
6.55% p.a.to 24.98% p.a.based on $30,000
over 5 years
Low Rate Personal Loan
6.57% p.a.to 8.48% p.a.
7.19% p.a.to 8.84% p.a.based on $30,000
over 5 years
Debt Consolidation
5.76% p.a.to 24.03% p.a.
6.57% p.a.to 24.99% p.a.based on $30,000
over 5 years
Clean Green Car Loan
7.69% p.a.
8.80% p.a.
$8.00