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UniBank All Purpose Personal Loan

Advertiser disclosure
The details shown below are for a variable loan between $4,000 and $80,000
The details shown below are for a fixed loan between $4,000 and $80,000

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
Fixed All Purpose Loan (Fixed, Unsecured) $4,000 $80,000
  • Loan: $4,000 $80,000
  • Loan: $4,000 $80,000
Interest rate from
11.99% p.a.
Comparison rate from
12.69% p.a.based on $10,000
over 3 years
Upfront fee
$100.00
Interest rate from
8.99% p.a.
Comparison rate from
9.68% p.a.based on $10,000
over 3 years
Upfront fee
$100.00

Mozo editorial review UniBank All Purpose Personal Loan - last updated: 23 May 2024

binocular icon
What's hot
  • 8.99% p.a. fixed rate (9.13% p.a. comparison rate*)
  • Extra repayments and redraws allowed
What's not
  • $100 upfront fee
Mozo snapshot

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.

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Key features

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 8.99% p.a. (9.13% 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.

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Who is it good for

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).

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Any catches

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.

Details

Rates and fees information correct as at 25 July 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

variable

11.99% p.a.variable

12.69% p.a.based on $10,000
over 3 years

Fees

$100.00

$0.00

$10.00

$0.00

0

Other financial bits

$4,000.00

$80,000.00

1 Year

6 Years

Unsecured

Features

-

Weekly, Fortnightly, Monthly

yes

yes

none

none

^See information about the Mozo Expert Choice Personal Loans Awards

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.

Details

Rates and fees information correct as at 25 July 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

Fixed

8.99% p.a. fixed

9.68% p.a.based on $10,000
over 3 years

Fees

$100.00

$0.00

$10.00

$0.00

At cost

Other financial bits

$4,000.00

$80,000.00

2 Years

6 Years

Unsecured

Features

-

Weekly, Fortnightly, Monthly

yes

yes

none

none

^See information about the Mozo Expert Choice Personal Loans Awards

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.

Customer Reviews

How are UniBank personal loans rated by the Mozo community?

Overall
8.1/10
Price
9.2/10
Features
8.4/10
Customer service
9.6/10
Convenience
9.2/10
Trust
9.6/10
Based on 5 UniBank personal loan reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

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