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MyState Bank personal loan reviews

MyState Bank
MyState Bank's overall rating for personal loans

(as rated by the Mozo community)

7.5 / 10

based on 30 reviews

Price

Features

Customer service

Convenience

Trust

Featured personal loan from MyState Bank

Recent MyState Bank personal loan reviews

MyState Bank

MyState Bank General Purpose Personal Loan (Variable, Unsecured) General Purpose Personal Loan review

Overall rating   6 / 10

MyState aren't that helpful

I am tired of getting 30 dollar fees when my loan's are slightly overdrawn. Rather than helping me to put all my debts in one account they won't lend me the fund's because I am on a disability pension & they don't seem to care. I am human not a...

Full review

I am tired of getting 30 dollar fees when my loan's are slightly overdrawn. Rather than helping me to put all my debts in one account they won't lend me the fund's because I am on a disability pension & they don't seem to care. I am human not a Robot l need food, power, etc. Please help me.

    Price   4 / 10

    Features   4 / 10

    Customer service   7 / 10

    Convenience   5 / 10

    Trust   6 / 10

Less

Tracy, Tasmania, reviewed almost 2 years ago

MyState Bank

MyState Bank Secured Personal Loan (vehicles up to 2 years old, Variable) Secured Personal Loan review

Overall rating   9 / 10

Excellent all round

They are professional, courteous and care for their customers. I would not go anywhere else.

Full review

They are professional, courteous and care for their customers. I would not go anywhere else.

    Price   8 / 10

    Features   8 / 10

    Customer service   10 / 10

    Convenience   9 / 10

    Trust   9 / 10

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Jennie, Tasmania, reviewed over 4 years ago

MyState Bank

MyState Bank General Purpose Personal Loan (Variable, Unsecured) General Purpose Personal Loan review

Overall rating   7 / 10

Highly recommended

Fantastic credit union with great customer service.

Full review

Fantastic credit union with great customer service.

    Price   5 / 10

    Features   5 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Ben, Tasmania, reviewed over 4 years ago

MyState Bank

MyState Bank General Purpose Personal Loan (Variable, Unsecured) General Purpose Personal Loan review

Overall rating   10 / 10

Great customer service, focus and professionalism

Exceptional customer service focus from Mystate credit union. The product features were thoroughly explained and when I was taken ill, the loan manager deterred my payments and sat with me to work out a repayment plan which suited me given the...

Full review

Exceptional customer service focus from Mystate credit union. The product features were thoroughly explained and when I was taken ill, the loan manager deterred my payments and sat with me to work out a repayment plan which suited me given the change of circumstances. Understanding, concerned and most professional loan manager.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Puspa, Tasmania, reviewed over 5 years ago

MyState Bank

MyState Bank General Purpose Personal Loan (Variable, Unsecured) General Purpose Personal Loan review

Overall rating   6 / 10

not bad

N/A

    Price   5 / 10

    Features   4 / 10

    Customer service   8 / 10

    Convenience   6 / 10

    Trust   8 / 10

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Lisa, Tasmania, reviewed over 5 years ago

MyState Bank

MyState Bank Personal Loan review

Overall rating   10 / 10

Best customer service available

MyState is always there to help when there is a problem if any kind. The staff are caring and willing to respond to anything that is required by the customer.

Full review

MyState is always there to help when there is a problem if any kind. The staff are caring and willing to respond to anything that is required by the customer.

    Price   9 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

Less

Sandra, , reviewed over 5 years ago

MyState Bank

MyState Bank Special Rate Personal Loan review

Overall rating   8 / 10

Very good rates

Offered us an excellent personal loan rate as we have a home loan with them. Easy to make extra payments whenever we want on the loan.

Full review

Offered us an excellent personal loan rate as we have a home loan with them. Easy to make extra payments whenever we want on the loan.

    Price   8 / 10

    Features   8 / 10

    Customer service   8 / 10

    Convenience   8 / 10

    Trust   8 / 10

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Louise, Tasmania, reviewed over 5 years ago

MyState Bank

MyState Bank Car Loan (Unsecured) review

Overall rating   8 / 10

Meets individual needs

It is a family orientated bank that is helpful both over the phone and in person. Your personal circumstances are taken into consideration and you are treated as a person not just a nameless customer.

Full review

It is a family orientated bank that is helpful both over the phone and in person. Your personal circumstances are taken into consideration and you are treated as a person not just a nameless customer.

    Price   8 / 10

    Features   5 / 10

    Customer service   7 / 10

    Convenience   9 / 10

    Trust   9 / 10

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Anita, Tasmania, reviewed almost 6 years ago

MyState Bank

MyState Bank General Purpose Personal Loan (Variable, Unsecured) General Purpose Personal Loan review

Overall rating   10 / 10

AAA++ customer service & excellent interest rates

Excellent customer service, personable and one case manager across all forms of finance.

Full review

Excellent customer service, personable and one case manager across all forms of finance.

    Price   10 / 10

    Features   10 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Name not supplied, Tasmania, reviewed about 6 years ago

MyState Bank

MyState Bank Personal Loan review

Overall rating   8 / 10

Very competitive.

This bank is strongly recommended as they are friendly, very helpful & have lots of good products & services to offer.

Full review

This bank is strongly recommended as they are friendly, very helpful & have lots of good products & services to offer.

    Price   7 / 10

    Features   6 / 10

    Customer service   7 / 10

    Convenience   9 / 10

    Trust   8 / 10

Less

Name not supplied, Tasmania, reviewed about 6 years ago

MyState Bank

MyState Bank General Purpose Personal Loan (Variable, Unsecured) General Purpose Personal Loan review

Overall rating   2 / 10

Not at all friendly

After banking with this institute for 30 years they made the whole process as difficult as possible. We will be changing banks . After sitting in the loans managers office for an hour she still had to ring us numerous time with problem after...

Full review

After banking with this institute for 30 years they made the whole process as difficult as possible. We will be changing banks . After sitting in the loans managers office for an hour she still had to ring us numerous time with problem after problem that actually were not a problem. She only wanted to make her job easier instead of looking after our needs. We have had several loans with them never defaulted and always paid things off early. They have amalgamated so many times now who knows who they are any more. Not at all friendly.

    Price   3 / 10

    Features   2 / 10

    Customer service   0 / 10

    Convenience   2 / 10

    Trust   2 / 10

Less

Name not supplied, Tasmania, reviewed over 6 years ago

MyState Bank

MyState Bank Personal Loan review

Overall rating   0 / 10

Not impressed with them

I applied for a loan. I have had about six loans. No payments have ever been paid late and they turned me down.

Full review

I applied for a loan. I have had about six loans. No payments have ever been paid late and they turned me down.

    Price   3 / 10

    Features   0 / 10

    Customer service   0 / 10

    Convenience   3 / 10

    Trust   0 / 10

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Sandra, Tasmania, reviewed almost 7 years ago

MyState Bank

MyState Bank Personal Loan review

Overall rating   10 / 10

Friendly and Working for You

There's no need to rate The best bank is MyState

Full review

There's no need to rate The best bank is MyState

    Price   8 / 10

    Features   9 / 10

    Customer service   10 / 10

    Convenience   10 / 10

    Trust   10 / 10

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Victoria, Tasmania, reviewed over 7 years ago

MyState Bank

MyState Bank General Purpose Personal Loan (Variable, Unsecured) General Purpose Personal Loan review

Overall rating   2 / 10

Can be sneaky

Starting up account keeping fees on existing loans

Full review

Starting up account keeping fees on existing loans

    Price   2 / 10

    Features   0 / 10

    Customer service   4 / 10

    Convenience   3 / 10

    Trust   4 / 10

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Name not supplied, Tasmania, reviewed over 7 years ago

MyState Bank

MyState Bank Personal Loan review

Overall rating   7 / 10

MyState has always meet my needs in banking and I have found their personal loans to be outstanding for my requirements. A big thumbs up all round :)

Full review

MyState has always meet my needs in banking and I have found their personal loans to be outstanding for my requirements. A big thumbs up all round :)

    Price   7 / 10

    Features   5 / 10

    Customer service   6 / 10

    Convenience   7 / 10

    Trust   9 / 10

Less

Katreena, Tasmania, reviewed almost 8 years ago

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Personal loan comparisons on Mozo - rates updated daily

  • Symple Loans Personal Loan (Variable, Unsecured)

    Symple Loans Personal Loan (Variable, Unsecured)

    interest rate

    5.75% p.a.to 19.99% p.a.

    comparison rate*

    6.89% p.a.to 23.07% p.a.based on $30,000
    over 5 years

    fees

    $300.00upfront
    and
    $10.00/month

    Go to site

    More info

    Terms from 1 to 7 years. Representative example: a 5 year $30,000 loan at 5.75% would cost $35,490.18 including fees.

    • Interest rate: 5.75% p.a.to 19.99% p.a.
    • Comparison rate*: 6.89% p.a.to 23.07% p.a.based on $30,000
      over 5 years
    • Upfront fee: $300
    • Monthly fee: $10.00
    • Exit fee: $0.00
    • Late payment fee: $35.00
    • Repayment options: Monthly
    • Early repayment penalty: $0.00
    • Minimum loan amount: $5,000.00
    • Maximum loan amount: $50,000.00
    • Minimum loan term: 1 Year
    • Maximum loan term: 7 Years
    • Security required: Unsecured
    • Other benefits:
    Need more information?
    Go to site

    More info

  • Harmoney Unsecured Personal Loan (Fixed)

    Harmoney Unsecured Personal Loan (Fixed)

    • Up to $70,000, unsecured. Fast, easy & 100% online
    • No hidden fees or early repayment penalties with Australasia's leading marketplace lending website
    • You're unique, so is your interest rate

    interest rate

    6.99% p.a.to 28.69% p.a.

    comparison rate*

    7.69% p.a.to 29.55% p.a.based on $30,000
    over 5 years

    fees

    $500.00upfront
    and
    $0.00/month

    Go to site

    More info

    Terms from 1 to 5 years. Representative example: a 5 year $30,000 loan at 6.99% would cost $36,133.67 including fees.

    • Up to $70,000, unsecured. Fast, easy & 100% online
    • No hidden fees or early repayment penalties with Australasia's leading marketplace lending website
    • You're unique, so is your interest rate
    • Interest rate: 6.99% p.a.to 28.69% p.a.
    • Comparison rate*: 7.69% p.a.to 29.55% p.a.based on $30,000
      over 5 years
    • Upfront fee: $500
    • Monthly fee: $0.00
    • Exit fee: $0.00
    • Late payment fee: $15.00
    • Repayment options: Weekly, Fortnightly, Monthly
    • Early repayment penalty: $0.00
    • Minimum loan amount: $2,000.00
    • Maximum loan amount: $70,000.00
    • Minimum loan term: 1 Year
    • Maximum loan term: 5 Years
    • Security required: Unsecured
    • Other benefits: Application fee is $200 for loans under $5,000.
    Overall rating

    8.3

    Based on 4 Harmoney personal loan reviews

    Need more information?
    Go to site

    More info

  • Featured product

     

    Latitude Low Rate Personal Loan (Fixed, Secured)

    Latitude Low Rate Personal Loan (Fixed, Secured)

    • Available to new Latitude personal loan customers only
    • Applicants must be mortgage holders or homeowners
    • Applicants need an excellent credit score to apply

    interest rate

    9.99% p.a.

    comparison rate*

    11.22% p.a.based on $30,000
    over 5 years

    fees

    $250.00upfront
    and
    $13.00/month

    Go to site

    More info

    Terms from 2 to 7 years. Representative example: a 5 year $30,000 loan at 9.99% would cost $39,265.82 including fees.

    • Available to new Latitude personal loan customers only
    • Applicants must be mortgage holders or homeowners
    • Applicants need an excellent credit score to apply
    • Interest rate: 9.99% p.a.
    • Comparison rate*: 11.22% p.a.based on $30,000
      over 5 years
    • Upfront fee: $250
    • Monthly fee: $13.00
    • Exit fee: $0.00
    • Late payment fee: $35.00
    • Repayment options: Weekly, Fortnightly, Monthly
    • Early repayment penalty: $300 in first half of loan, $0 in second half.
    • Minimum loan amount: $20,000.00
    • Maximum loan amount:
    • Minimum loan term: 2 Years
    • Maximum loan term: 7 Years
    • Security required: Residential Property, Various, Vehicle
    • Other benefits:
    Overall rating

    4.7

    Based on 191 Latitude personal loan reviews

    Need more information?
    Go to site

    More info

  • OurMoneyMarket Low Rate Personal Loan (Excellent Credit) (Fixed, Unsecured)

    OurMoneyMarket Low Rate Personal Loan (Excellent Credit) (Fixed, Unsecured)

    interest rate

    8.00% p.a.

    comparison rate*

    8.21% p.a.based on $30,000
    over 5 years

    fees

    $150.00upfront
    and
    $0.00/month

    Go to site

    More info

    Terms from 1 to 7 years. Representative example: a 5 year $30,000 loan at 8.00% would cost $36,647.51 including fees.

    • Interest rate: 8.00% p.a.
    • Comparison rate*: 8.21% p.a.based on $30,000
      over 5 years
    • Upfront fee: $150
    • Monthly fee: $0.00
    • Exit fee: $0.00
    • Late payment fee: $35.00
    • Repayment options: Weekly, Fortnightly, Monthly
    • Early repayment penalty: $0.00
    • Minimum loan amount: $2,001.00
    • Maximum loan amount: $50,000.00
    • Minimum loan term: 1 Year
    • Maximum loan term: 7 Years
    • Security required: Unsecured
    • Other benefits:
    Need more information?
    Go to site

    More info

  • MOZO EXPERTS CHOICE AWARDS 2019

    RateSetter Unsecured Personal Loan (Variable)

    RateSetter Unsecured Personal Loan (Variable)

    • Low rates for borrowers with good credit
    • 1 min rate estimate, simple online application
    • No exit fees, no early repayment fees

    interest rate

    6.89% p.a.

    comparison rate*

    8.89% p.a.based on $10,000
    over 3 years

    fees

    $299.00upfront
    and
    $0.00/month

    Go to site

    More info

    Terms from 1 to 5 years. Representative example: a 3 year $10,000 loan at 6.89% would cost $11,396.66 including fees.

    • Low rates for borrowers with good credit
    • 1 min rate estimate, simple online application
    • No exit fees, no early repayment fees
    • Interest rate: 6.89% p.a.
    • Comparison rate*: 8.89% p.a.based on $10,000
      over 3 years
    • Upfront fee: $299
    • Monthly fee: $0.00
    • Exit fee: $0.00
    • Late payment fee: $30.00
    • Repayment options: Monthly
    • Early repayment penalty: $0.00
    • Minimum loan amount: $2,001.00
    • Maximum loan amount: $45,000.00
    • Minimum loan term: 1 Year
    • Maximum loan term: 5 Years
    • Security required: Unsecured
    • Other benefits:
    Overall rating

    5.0

    Based on 1 RateSetter personal loan reviews

    Need more information?
    Go to site

    More info

*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. 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.

Want more? Compare all 220 personal loans in the Mozo comparison engine.

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*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. 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.

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