Lifestyle Personal Loan

How to borrow to better your situation with the planet-conscious bank.

Apply now

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Our rates

Money magazine

's
 
Customer-Owned Bank of The Year
 
2026

View all awards

9.49%p.a.

Variable interest rate

Effective 31 July 2026

10.53%p.a.

Comparison rate

Comparison rate based on a unsecured loan of $10,000 for 3 years. Fees and charges may apply.

See rates and fees

Money magazine

's
 
Customer-Owned Bank of The Year
 
2026

View all awards

Why us?

Be the change

What if the money in your bank account helped other people and the planet? When you bank with us, it does.

Shared values

Rest assured that your money is not supporting industries that do harm, like fossil fuels or animal exports.

Flexible repayments

Take control of your budget with the certainty of regular repayments, plus the ability to pay it off faster if you want.

Who it's for

  • People aged 18+

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  • People living in Australia as a permanent resident or with a relevant work visa

Is this product right for you? Find out more

What it's for

You can apply for a personal loan of $1,000 or more to help you reach a goal faster or solve an immediate problem – for example, home maintenance, renovations, medical expenses, education, debt consolidation, even a new electric bike.

Maximum loan terms

You can apply to take out a personal loan for a maximum of 10 years.

What you get

StarStarStarStarStar
“It's great to be able to lend and bank with an ethical Australian institution, that doesn't mean I miss out on great service and friendly staff.”
Review by Blaise.
See more on Productreview.com.au
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No monthly fees

$0 monthly fees on your personal loan.

Extra flexibility

Set up monthly, weekly or fortnightly repayments – whatever works for your budget cycle.

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‍Fee-free extras

You can pay extra whenever you like without penalty. You can even pay your loan off early.

Calculate your repayments

See what your repayments could be with a Lifestyle Personal Loan.

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Start your application now

Apply for a personal loan. All you need is your driver's licence or passport, and your Medicare card, to get started.

Apply now

Fees and charges

Here’s what to expect with our Lifestyle Personal Loan:

  • Establishment fee $150
  • Early repayment fee $0
  • Late payment fee $0

It pays to know. Read the Product Disclosure Document and this fact sheet to help you decide if this loan’s right for you. See all rates and fees.

Related topics

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Things you need to know

* The Comparison Rate is based on a unsecured loan of $10,000 for 3 years. Fees and charges may be applicable.

WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

  1. Variable interest rates apply to personal loans and are subject to change at any time, at the discretion of Bank Australia Limited.
  2. Full terms, conditions, fees and charges are available upon request.
  3. Loan Terms. Maximum term of 10 years and minimum amount of $1,000 apply to Lifestyle Personal Loans.
  4. Full terms, conditions, fees and charges are available on request.