Unity Bank Personal Lending Rates as at 7 October 2025  printer icon

Personal Loans

Fair Rate Personal Loan

Tier Interest rate Comparison rate
Diamond 7.99% p.a. 8.20% p.a.
Emerald 9.99% p.a. 10.21% p.a.
Sapphire 10.99% p.a. 11.21% p.a.
Ruby 12.99% p.a. 13.21% p.a.
Opal 16.99% p.a. 17.22% p.a.

 

Community Support Loan

Product Interest rate Comparison rate
Community Support Loan 4.99% p.a. 6.31% p.a.


Green Upgrades Loan

Product Interest rate Comparison rate
With existing Unity mortgage 4.59% p.a. 4.59% p.a.
Without existing Unity mortgage 5.09% p.a. 5.09% p.a.


Credit Cards

Product Interest Rate on Purchases
Low Rate Visa Credit Card 7.49% p.a.
Low Rate Business Credit Card 12.49% p.a.  
Platinum Visa Credit Card 19.99% p.a.


Car Loans

Fixed Rate Car Loan

Product Interest rate Comparison rate
Fixed Rate Car Loan
(Vehicles up to 5 years old)
7.99% p.a. 8.27% p.a.
Fixed Rate Car Loan​
(Vehicles over 5 years old)
9.99% p.a. 10.28% p.a.


Green Car Loan

Product Interest rate Comparison rate
Green Car Loan 5.99% p.a. 5.99% p.a.


Overdraft

Product Interest Rate Comparison Rate
Unsecured Overdraft 15.50% p.a. N/A
  • 1 Applicants must be eligible for Diamond Rate as determined by Unity Bank. Refer to interest rate schedule for full list of interest rates.
  • 2 Comparison Rate is calculated on a loan amount of $30,000 over a term of 5 years based on monthly repayments. These rates are for unsecured loans only. WARNING: These Comparison Rates are 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.
  • 3 Interest rate shown available for the first 12 months, reverting thereafter to the lowest Fair Rate Personal Loan interest rate.
  • 4 Comparison Rate is calculated on a loan amount of $10,000 over a term of 3 years based on monthly repayments. These rates are for unsecured loans only. WARNING: These Comparison Rates are 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.
  • 5 Comparison Rate is calculated on a loan amount of $30,000 over a term of 5 years based on monthly repayments. These rates are for unsecured loans only. WARNING: These Comparison Rates are 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.
  • 6 Interest rate on purchases. Up to 50 days interest free providing you pay your account in full each month and by the due date.
  • 7 For vehicles where the security is up to 5 years old. Vehicles cannot be more than 10 years old at the end of the term.
  • 8 For vehicles where the security is over 5 years old. Vehicles cannot be more than 10 years old at the end of the term.
  • 9 Comparison Rate is calculated on a loan amount of $30,000 over a term of 5 years based on monthly repayments. These rates are for secured loans only. WARNING: These Comparison Rates are 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.

Eligibility criteria, terms & conditions and fees & charges apply.

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