Applications from 8 October 2026No fixed closing date published. The lender may change or withdraw this offer.
Australian-resident Qantas Frequent Flyer members must apply and be approved on or after 8 October 2026 through the specified lender links. Broker availability is unverified.
Register your Frequent Flyer number and matching surname at application. Keep the loan open until the points arrive: 60 days after settlement (car-loan terms say within 60 days).
No fixed closing date is stated; Alex Bank may change or withdraw the offer. Generally cannot combine with other promotions. Credit criteria, product terms, fees and charges apply.
Unsecured personal/green loans have no establishment fee; secured car/EV loans have a $295 establishment fee. Use the specified Qantas offer application links; rates depend on assessment.
Source checked 25 October 2026, 9:17 pm AEDT
Australian Mutual Bank
Fee waiverOngoing benefit
$150 personal-loan fee waiver for package members
Your Way Plus package holders receive a waiver of the usual $150 personal-loan application fee.
No fixed closing date published. The lender may change or withdraw this offer.
Hold a funded Your Way Plus Home Loan package, an eligible package deposit account and active internet banking; remain within the package terms and not in default.
The package normally costs $300 annually. Qualifying essential workers who are first home buyers have that package fee waived under the package terms.
The usual $150 personal-loan application fee is waived while the package remains active. Other charges and fixed-rate break costs may apply.
Ongoing package benefit with no published closing date. Credit approval and product eligibility still apply; confirm the application channel with the lender.
Source checked 25 October 2026, 9:22 pm AEDT
Bank Australia
Rate discountFee waiverOngoing benefit
Clean Energy Personal Loan reduced pricing
A lower variable rate than Bank Australia’s Lifestyle Personal Loan, with no establishment fee, for eligible home energy-efficiency upgrades.
No fixed closing date published. The lender may change or withdraw this offer.
Funds must be used solely for eligible upgrades approved by Bank Australia. Provide itemised quotations and final invoices; eligible equipment and installer requirements apply.
The loan is unsecured. Minimum borrowing is $1,000 and maximum term 10 years. Lending criteria and other applicable fees and conditions apply.
New and existing customers may apply. This is an ongoing purpose-specific product benefit, with no fixed expiry stated; the variable rate can change.
If approved work is altered, the change must satisfy the lender’s terms. Do-it-yourself installations are not eligible.
Source checked 25 October 2026, 9:21 pm AEDT
Bank First
Fee waiverOngoing benefit
$195 fee waiver for package members
Eligible Premier/Rewards home-loan package members save the $195 personal-loan establishment fee.
No fixed closing date published. The lender may change or withdraw this offer.
For purchases of cars, caravans, camper trailers, marine craft or motorbikes manufactured in the current or previous two calendar years.
Minimum new borrowing is $5,000; the loan cannot exceed the purchase price. No package benefits or further discounts apply.
The establishment fee is $265 and the monthly loan fee is $9. Other fees and lending criteria apply. Rates are stated current at 13 October 2026 and may change.
The comparison rate is based on a $30,000 secured loan over five years with monthly repayments. It is only true for this example; different amounts, terms and fees change it. No fixed closing date is published.
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.
Source checked 25 October 2026, 9:21 pm AEDT
Coastline Bank
Other benefitOngoing benefit
$150 gift card each for eligible referrals
An eligible referred borrower and their Coastline member referrer each receive a $150 EFTPOS gift card after the loan is approved and funded.
No fixed closing date published. The lender may change or withdraw this offer.
Applies to approved and funded car and personal loans, as well as eligible home or business loans. The referrer must be a Coastline Bank member.
Complete the referral flyer and provide it to the lender when applying. The lender states rewards are provided within 30 days of approval and funding.
One $150 gift card per funded loan for each party; joint borrowers receive one card per loan. Coastline employees, directors and their immediate families are excluded.
No fixed expiry is published; Coastline may modify or end the offer. Normal loan fees and credit criteria apply. This is Coastline’s referral process; availability through other brokers is unverified.
Source checked 25 October 2026, 9:21 pm AEDT
Commonwealth Bank
Fee waiverRate discount
Energy-loan fee savings for home-loan customers
Eligible CommBank home-loan customers receive discounted energy-loan pricing, with establishment, monthly service and early repayment adjustment fees waived.
No fixed closing date published. The lender may change or withdraw this offer.
Eligible unsecured fixed loan for qualifying energy-efficient purchases; product and installer requirements apply.
Excludes electric/plug-in hybrid cars, Viridian Line of Credit and Equity Unlock for Seniors.
Provide required purchase evidence; selected-provider purchases have a different invoice process. Existing home-energy loans cannot be increased or refinanced.
Apply through CommBank online or the specified Brighte pathway. Availability through Personal Loan Finder as a broker is not implied.
Source checked 25 October 2026, 9:17 pm AEDT
Commonwealth Bank
Rate discount
EV Access discounted car-loan offer
Special secured car-loan pricing includes an energy-efficient discount for eligible EV Access applicants.
No fixed closing date published. The lender may change or withdraw this offer.
Hold an active CommBank home loan and select Renovations as the only loan purpose.
Normal lending criteria and loan fees apply. Ongoing relationship benefit; no closing date stated.
Apply directly through CommBank’s website, NetBank or app. These unsecured products are online-only and cannot be distributed through brokers, other third parties or staff-assisted channels.
Source checked 25 October 2026, 9:17 pm AEDT
Commonwealth Bank
Other benefit
Up to $1,000 Brighte gift card
Brighte offers a Prezzee gift card: $250 below $10,000 borrowed, $750 from $10,000 to under $20,000, or $1,000 from $20,000.
No fixed closing date published. The lender may change or withdraw this offer.
Hold an active Credit Union SA home loan and use the loan for an eligible environmental purpose.
The fee waiver also applies to qualifying Knowledge Counts, Workplace Banking and Port Adelaide members at application; these groups do not automatically receive home-loan-member pricing.
Product and credit criteria apply. Ongoing benefit with no advertised expiry.
Source checked 25 October 2026, 9:17 pm AEDT
Credit Union SA
Fee waiverRate discountOngoing benefit
Knowledge Counts education benefits
Eligible South Australian education-community borrowers receive a 1 percentage-point car/personal-loan rate reduction and no establishment fee.
No fixed closing date published. The lender may change or withdraw this offer.
For current or retired South Australian education workers, education students and eligible immediate family: parents, children, grandparents, grandchildren, siblings or partners.
Product rules apply. Special fixed car loans require at least $15,000 and a vehicle under five years; online variants require the online form.
The advertised education car loan also has no monthly, early repayment or redraw fees. Ongoing member benefit; other applicable costs should be checked.
Source checked 25 October 2026, 9:17 pm AEDT
Credit Union SA
Rate discount
Online-only car-loan pricing
A lower fixed car-loan rate is available for qualifying applications completed online.
No fixed closing date published. The lender may change or withdraw this offer.
New business only; complete Credit Union SA’s online form.
At least $15,000, secured by a new or used vehicle less than five years old; maximum seven-year fixed term.
$350 establishment fee and $90 vehicle-security processing fee apply. The establishment fee is waived for eligible Knowledge Counts or Workplace Banking customers; other fees can remain. No advertised closing date.
Official lender pages currently show different interest and comparison rates for this product. Confirm the applicable rate directly with Credit Union SA before applying; no numerical rate is quoted here.
Source checked 25 October 2026, 9:17 pm AEDT
Credit Union SA
Fee waiverOngoing benefit
Port Adelaide member application-fee waiver
Eligible Port Adelaide Football Club members and employees pay no application fee on car and personal loans.
No fixed closing date published. The lender may change or withdraw this offer.
For eligible SA Power Networks or subsidiary employees; select SA Power Networks as your workplace partner.
Personal or car loan must be above $5,000. Lending criteria, other fees and conditions apply.
The workplace page advertises a $395 saving, but the current car/personal-loan fee schedule lists a $350 establishment fee. The confirmed benefit is the application-fee waiver; confirm the actual saving and any remaining fees.
Source checked 25 October 2026, 9:17 pm AEDT
Defence Bank
Fee waiverOngoing benefit
Application fee waiver with Ultimate Essentials
Eligible linked personal, car and debt consolidation loans receive an application fee waiver.
No fixed closing date published. The lender may change or withdraw this offer.
Requires membership and an eligible Ultimate Essentials home loan package; annual package fee $96.
The loan must be in the package holder’s name; request linkage.
Maintain package eligibility and avoid default. Cancellation can remove benefits.
The standard personal-loan application fee is $150; other loan fees still apply. New Car Loan and Used Car Loan products already have no application fee under the lender’s fee footnote.
Source checked 25 October 2026, 9:17 pm AEDT
Firstmac
Rate discountOngoing benefit
Qualifying green-car rate discount
Up to 0.50 percentage points off an eligible green-car loan through Firstmac’s CEFC-supported pricing.
No fixed closing date published. The lender may change or withdraw this offer.
The vehicle must qualify under Firstmac’s green-car criteria. New or demonstrator vehicles and electric vehicles may qualify; confirm the exact model with Firstmac rather than assuming every new car is eligible.
Car loans range from $5,000 to $150,000; fixed and variable options are advertised. Fees, charges and lending criteria apply, with full terms provided in the loan offer.
No fixed promotional expiry is published. This is a standing green-finance discount, with the actual reduction subject to vehicle and loan eligibility.
Source checked 25 October 2026, 9:21 pm AEDT
GMCU
Rate discountOngoing benefit
Home-loan customer 1-point discount
1 percentage-point personal-loan discount advertised for customers who also have a GMCU Home Loan.
Applications from 30 April 2025Apply by 22 February 2027
For new and existing customers applying from 30 April 2025; hold a Great Southern Bank everyday account when funded.
The lender's wording uses both before and between dates ending 23 February 2027. Apply before that date or confirm final-day eligibility directly.
Lending criteria and other applicable fees remain. The lender may change or withdraw the offer.
Unsecured Fixed Personal Loan: distributed directly online, through branches or the customer contact centre. No third-party distribution, including through Personal Loan Finder as a broker (TMD effective September 2026). This restriction is specific to this product.
Unsecured Fixed Personal Loan: $5,000–$75,000 over 1–7 years for personal purposes. Permanent Australian residents aged 18 or older with regular income; credit criteria apply. Home purchases, tax debts, business purposes, secured vehicle purchases and lines of credit are excluded.
Source checked 25 October 2026, 9:17 pm AEDT
Horizon Bank
Rate discountOngoing benefit
Discounted green personal-loan rate
Eligible environmentally friendly purchases qualify for a discounted variable rate compared with Horizon’s Budget Personal Loan.
No fixed closing date published. The lender may change or withdraw this offer.
Unsecured loans from $1,000 to $30,000, for up to five years; Horizon membership and lending criteria apply.
Eligible uses include solar and batteries, heat-pump hot water, rainwater tanks, certified double glazing, insulation and home EV chargers. Appliances must meet the published efficiency ratings.
$100 establishment fee; no monthly administration, redraw or early repayment fee.
Apply directly to Horizon. No fixed closing date is published. The product page confirms a discount but its amount is not quoted here because the TMD and current rate schedule are inconsistent.
Source checked 25 October 2026, 9:22 pm AEDT
Hume Bank
Rate discountFee waiverOngoing benefit
Holbrook club-member loan discounts
Eligible Holbrook Football Netball Club members receive 1 percentage point off secured or unsecured personal-loan rates and no application fee.
No fixed closing date published. The lender may change or withdraw this offer.
Available through Hume Bank’s selected Partnership Banking program to eligible Holbrook Football Netball Club members; confirm membership eligibility with Hume Bank.
The offer must be requested directly from a Hume Bank representative and is not available through third parties.
Benefits can cease if an applicant’s relevant membership ends or the partner leaves the program. Other fees, lending criteria and product conditions apply.
No fixed closing date is stated. Benefits generally cannot combine with other offers or negotiated rates. The page dates general fees 7 October 2026, but the benefit terms 12 February 2024; confirm current eligibility and pricing with Hume Bank.
Source checked 25 October 2026, 9:21 pm AEDT
Jacaranda Finance
Other benefit
Major Prize Giveaway
Chance to win a BYD Shark 6 Premium or $50,000 cash. This is a prize draw, not guaranteed cashback.
No fixed closing date published. The lender may change or withdraw this offer.
A current customer privately supplies their Smart Friends code. A new customer must quote it and settle their first qualifying car loan.
One referral payment per qualifying application; prior incentive/reward exclusions apply. Public or social-media publication of codes invalidates them.
The headline describes $150 off the settlement fee; terms describe $150 paid to the loan account. Confirm how your benefit will be credited. No car-offer closing date is stated.
Source checked 25 October 2026, 9:17 pm AEDT
NAB
Fee waiver
$250 personal-loan application fee waived
$0 application fee (usually $250) on eligible unsecured personal loans.
Select “refinancing” in the NAB quote form. Offer ends 3 December 2026, may end earlier and is not transferable. No separate funding deadline is stated.
For existing NAB personal customers registered for NAB Internet Banking. Apply through NAB’s digital route; broker availability is unverified.
Sole applicants aged 21 or over, with an Australian address, regular income and Australian or New Zealand citizenship or Australian permanent residence. Credit criteria apply.
Secured loans of $10,000–$100,000 over 1–7 years. Eligible vehicles must be no more than 12 years old at application and 15 years old at loan end; other vehicle and insurance conditions apply.
$15 monthly service fee and $7 weekly late fee remain. No exit fee. Consider the total loan cost, including any costs of leaving the old loan.
Source checked 25 October 2026, 9:16 pm AEDT
NAB
Rate discountOngoing benefit
0.75-point discount for eligible EV car loans
A 0.75 percentage-point rate discount for eligible all-electric and plug-in hybrid cars.
No fixed closing date published. The lender may change or withdraw this offer.
Advertised EV rates already include this discount; do not subtract it again. Your fixed rate is personalised.
For existing NAB personal customers registered for NAB Internet Banking. Apply through NAB’s digital route; broker availability is unverified.
Sole applicants aged 21 or over, with an Australian address, regular income and Australian or New Zealand citizenship or Australian permanent residence. Credit criteria apply.
Secured loans of $10,000–$100,000 over 1–7 years. Eligible vehicles must be no more than 12 years old at application and 15 years old at loan end; other vehicle and insurance conditions apply.
Eligible new or used cars must be manufacturer-imported, roadworthy and never written off, with comprehensive insurance naming NAB as financier. Motorcycles, caravans and vehicles over 4.5 tonnes are excluded.
$350 establishment fee applies unless the refinance waiver applies. $15 monthly service fee and $7 weekly late fee remain; no exit fee. No fixed closing date is published.
Source checked 25 October 2026, 9:16 pm AEDT
NAB
Rate discountOngoing benefit
Car-loan pricing for NAB home-loan customers
Special personalised car-loan pricing for eligible NAB home-loan customers.
No fixed closing date published. The lender may change or withdraw this offer.
Available to eligible NAB home-loan customers taking out a new NAB Car Loan; your fixed rate is personalised and the lowest advertised rate is not guaranteed.
Apply through NAB’s digital route as an existing personal customer registered for Internet Banking. Broker availability is unverified.
Sole borrowers aged 21 or over with an Australian residential address, regular income and Australian or New Zealand citizenship or Australian permanent residency. Lending criteria apply.
Secured loans $10,000–$100,000 over 1–7 years; vehicle age, condition and insurance restrictions apply.
$350 establishment fee unless an eligible refinance waiver applies; $15 monthly and $7 weekly late fee remain. No exit fee. NAB may withdraw the offer.
Source checked 25 October 2026, 9:16 pm AEDT
Newcastle Permanent
Fee waiverOngoing benefit
$250 application fee waiver with Premium Plus
Premium Plus Package holders can avoid the $250 personal/car loan application fee.
Apply by 30 November 2026Fund / settle by 30 November 2026
Australian residents aged 18 or over. Apply for and settle an eligible personal/vehicle loan from 14 September to 30 November 2026, closing 11:59 pm AEST.
One automatic entry per settled loan into the next available draw and later draws while the loan stays up to date. Joint loans award any prize to the primary applicant; maximum one prize per entrant.
Commercial loans and cancelled, withdrawn, declined or unsettled applications are excluded. Promoter-connected staff, families, businesses, contractors, brokers and agencies cannot enter.
Remaining scheduled draws: 16 November and 14 December 2026. The 19 October draw has passed. No prize is guaranteed; winners must confirm their email within seven days.
Normal interest and applicable loan costs remain payable; vehicle-loan establishment fees may apply.
Source checked 29 October 2026, 1:48 pm AEDT
Plenti
Rate discountOngoing benefit
New-EV 0.5-point rate reduction
0.5 percentage-point rate reduction for eligible new electric vehicles valued up to $90,000.
No fixed closing date published. The lender may change or withdraw this offer.
Offered through Plenti's Clean Energy Finance Corporation collaboration; subject to credit assessment.
Applicants must meet the lender's age, residency, regular-income and credit requirements. Your final personalised rate and fees are confirmed in the loan offer.
The EV page's monthly-fee statements conflict. Do not assume fee-free lending; confirm all fees in your quote. No closing date is stated.
Source checked 25 October 2026, 9:16 pm AEDT
Police Bank
Other benefitOngoing benefit
Academy student loan introduction
Eligible police academy students receive a three-month interest and repayment holiday with no setup fee.
No fixed closing date published. The lender may change or withdraw this offer.
For NSW Police Academy Session 2 students, Tasmanian Police Academy students, or graduates within six months; age 18 or over and Police Bank membership required.
After three months, standard rates and principal-and-interest repayments apply over the remaining loan term.
Car, fixed personal and variable personal loan pricing differs. Lending criteria apply; no offer expiry stated.
Source checked 28 October 2026, 1:19 pm AEDT
Police Credit Union
Fee waiverOngoing benefit
$295 package fee waiver for existing borrowers
Eligible members can have the $295 personal loan package fee waived.
No fixed closing date published. The lender may change or withdraw this offer.
Hold an existing PCU home/personal loan, or have repaid one in the previous 6 months.
Other fees apply; confirm whether the waiver combines with another special.
PCU fixed-rate Personal Loan and its listed variable car/solar personal loans are available directly from PCU only, not through third-party distributors. Do not assume broker access to these fee concessions; other product distribution is unverified.
Fee schedule dated 1 March 2024; fixed and variable personal-loan TMDs last reviewed 26 March 2026. Confirm current product-specific fees and waiver applicability with PCU.
Source checked 25 October 2026, 9:16 pm AEDT
Police Credit Union
Fee waiverOngoing benefit
$50 relationship fee discounts
Qualifying relationships may reduce the personal loan package fee by $50.
No fixed closing date published. The lender may change or withdraw this offer.
Criteria include full salary deposits, PCU Visa, general insurance, 10-year membership, or at least $5,000 savings/investments held for 3 months.
Excludes special offers and other application fees. Confirm any combined discount with PCU.
PCU fixed-rate Personal Loan and its listed variable car/solar personal loans are available directly from PCU only, not through third-party distributors. Do not assume broker access to these fee concessions; other product distribution is unverified.
Fee schedule dated 1 March 2024; fixed and variable personal-loan TMDs last reviewed 26 March 2026. Confirm current product-specific fees and waiver applicability with PCU.
Source checked 25 October 2026, 9:16 pm AEDT
Police Credit Union
Fee waiverOngoing benefit
Advantage member car and personal loan package-fee waiver
Eligible Advantage members pay no car or personal-loan package fee, saving up to $295.
No fixed closing date published. The lender may change or withdraw this offer.
Available to qualifying emergency-service employees or volunteers, medical-sector workers, selected PCU major-sponsor groups and other listed occupations, plus eligible spouses and children. Membership eligibility is determined by PCU.
Excludes special offers, business/commercial loans, renegotiations, trusts and self-managed super funds. Other fees and normal lending criteria apply.
No fixed closing date is published. The live page dates its information 10 September 2025 and may change benefits; confirm the current package fee for your product.
PCU’s listed personal-loan products are distributed directly; do not assume this concession is available through a broker.
Source checked 25 October 2026, 9:25 pm AEDT
Police Credit Union
Fee waiverOngoing benefit
First-loan package fee waiver for former junior members
Eligible former junior members can have the $295 package fee waived.
No fixed closing date published. The lender may change or withdraw this offer.
For a former under-18 member’s first personal or home loan, whichever occurs first.
Excludes special offers and other application fees.
PCU fixed-rate Personal Loan and its listed variable car/solar personal loans are available directly from PCU only, not through third-party distributors. Do not assume broker access to these fee concessions; other product distribution is unverified.
Fee schedule dated 1 March 2024; fixed and variable personal-loan TMDs last reviewed 26 March 2026. Confirm current product-specific fees and waiver applicability with PCU.
Source checked 25 October 2026, 9:16 pm AEDT
Police Credit Union
Rate discountOngoing benefit
Platinum member personal and car loan discount
Eligible Platinum members receive 0.25 percentage points off selected car and personal-loan interest rates.
No fixed closing date published. The lender may change or withdraw this offer.
Free Platinum membership is available to eligible police, health, emergency-service and serving defence personnel, qualifying affiliated employees and groups, and eligible spouses or children. Check the lender’s full eligibility list.
The rate reduction applies only to selected loans and cannot be applied to special offers. Normal lending and membership criteria, other fees and product terms apply.
No fixed closing date is stated. The live page dates its product information 10 September 2025 and reserves the right to amend or withdraw benefits. Confirm eligible pricing before applying.
The listed personal-loan products are distributed directly by PCU; do not assume these concessions are available through a broker.
Source checked 25 October 2026, 9:21 pm AEDT
QBank
Rate discountOngoing benefit
Recruit and trainee personal-loan discount
Qualifying recruits and trainees can receive a 1 percentage point reduction on QBANK personal-loan pricing.
No fixed closing date published. The lender may change or withdraw this offer.
Deposit at least $1,500 in salary each month into a QBANK transaction account.
Debt consolidation and internal refinancing are excluded. Membership and credit criteria apply.
The 19 October 2026 rate schedule requires more than $5,000 new lending; the product page says minimum $5,000. Confirm this boundary with QBANK before applying.
Funding and monthly fees apply. Confirm ongoing salary-credit requirements and your quoted rate.
Source checked 25 October 2026, 9:16 pm AEDT
Qudos Bank
Fee waiverOngoing benefit
$150 EV establishment fee waiver
Qudos waives its car loan establishment fee for eligible fully electric vehicles.
No fixed closing date published. The lender may change or withdraw this offer.
Applicants must be at least 18, Australian citizens or permanent residents, live in South Australia or Broken Hill and earn a regular income. RAA membership is required for these discounts.
The establishment fee is $399 for members, versus $499 for non-members. An $8 PPSR fee and a $499 early-termination fee within the first 24 months may apply.
Car loans are secured, $8,000–$150,000 over 3–7 years. Personal-loan limits and security requirements differ. Lending criteria and other terms apply.
Ongoing member benefit with no fixed closing date published. Apply through RAA; broker availability is unverified.
Source checked 25 October 2026, 9:21 pm AEDT
RAC Finance WA
Rate discountOngoing benefit
Electric-vehicle rate discount
0.50 percentage points off the applicable RAC Finance car-loan rate for eligible fully electric vehicles.
No fixed closing date published. The lender may change or withdraw this offer.
Available for new and used fully electric vehicles; hybrid vehicles are excluded.
Applicants must live in Western Australia, be Australian citizens or permanent residents, meet income and driver-licence requirements, and satisfy RAC Finance’s credit criteria.
A $499 establishment fee and $8 PPSR fee may apply. A $499 early-termination fee may apply if repaid within the first 24 months. No monthly account-keeping fee.
No fixed closing date is stated. Obtain a quote from RAC Finance; broker availability is unverified.
Source checked 25 October 2026, 9:21 pm AEDT
RACQ Bank
Rate discountOngoing benefit
Loyalty reduction for eligible members and employees
0.20 percentage points off eligible secured or unsecured personal-loan rates, including car loans.
No fixed closing date published. The lender may change or withdraw this offer.
Available to existing Gold or Silver RACQ members, Queensland school/higher-education/Department of Education employees, or RACQ employees with eligible identification.
Applies to eligible new lending and refinancing from 6 December 2022. Green Car, Green Personal and Green Home loans are excluded, as are company and business loans.
Eligibility is assessed when the application starts; the reduction may be removed if eligibility ceases. Only one loyalty reduction applies per product, including joint loans.
No fixed closing date is stated. RACQ Bank may change or withdraw the offer. Normal loan fees and lending criteria apply; the unsecured product currently has a $120 document-preparation fee. Broker availability is unverified.
Source checked 25 October 2026, 9:21 pm AEDT
RACV
Other benefitOngoing benefit
21-day personal-loan satisfaction guarantee
Eligible direct personal-loan customers can receive application-fee and interest refunds and avoid the early-termination fee if the loan is fully repaid within 21 days.
No fixed closing date published. The lender may change or withdraw this offer.
This is a percentage reduction in the rate, not a percentage-point reduction.
Continuous membership required: Bronze 5–9 years, Silver 10–24, Gold 25–50 and Gold 50 at 51+ under programme terms. Confirm your tier near the 50-year boundary.
Direct RACV offer only: unavailable through brokers, third parties or intermediaries, or on special-rate promotions. Lending criteria, fees and conditions apply.
Apply directly through the lender’s offer to qualify.
Source checked 25 October 2026, 9:16 pm AEDT
RACV
Other benefitOngoing benefit
Two years of RACV Total Care included
Two years of complimentary RACV Total Care roadside assistance with an eligible direct car or motorcycle loan.
No fixed closing date published. The lender may change or withdraw this offer.
Apply directly to RACV for an eligible car or motorcycle loan. Victorian residential address required; one plan per settled loan in the first-listed borrower’s name.
Plan starts within 30 days of funding, with a 24-hour wait after activation before assistance is available.
Standard Total Care eligibility and service limits apply. Renewal after the two complimentary years uses the then-current standard price.
$499 direct application fee and security registration costs remain. A $325 early termination fee can apply, except when paying out in the final six months of the loan term.
Ongoing benefit; lending criteria and loan terms apply.
Source checked 25 October 2026, 9:16 pm AEDT
Southern Cross Credit Union
Fee waiverOngoing benefit
$250 establishment fee waiver with Premium Package
An eligible Premium Home Loan package includes a personal loan establishment fee waiver.
No fixed closing date published. The lender may change or withdraw this offer.
New direct applications by eligible Priority Partner members/employees; employment confirmation may be required.
Discount applies to the relevant carded product rate. Broker-introduced loans are excluded; cannot combine with other offers.
Existing customer benefits require negotiation and begin from the agreed date. Fees, credit and eligibility criteria apply; full terms available from Summerland.
Source checked 25 October 2026, 9:16 pm AEDT
Teachers Mutual Bank
Fee waiverOngoing benefit
$150 personal-loan fee waiver for package members
Your Way Plus package holders receive a waiver of the usual $150 personal-loan application fee.
No fixed closing date published. The lender may change or withdraw this offer.
Hold a funded Your Way Plus Home Loan package, an eligible package deposit account and active internet banking; remain within the package terms and not in default.
The package normally costs $300 annually. Qualifying essential workers who are first home buyers have that package fee waived under the package terms.
The usual $150 personal-loan application fee is waived while the package remains active. Other charges and fixed-rate break costs may apply.
Ongoing package benefit with no published closing date. Credit approval and product eligibility still apply; confirm the application channel with the lender.
Source checked 25 October 2026, 9:22 pm AEDT
The Mutual Bank
Rate discountFee waiverOngoing benefit
Corporate Banking employee benefits
Eligible partner-organisation employees receive 0.10 percentage points off advertised car and personal loan rates, plus qualifying application-fee waivers.
No fixed closing date published. The lender may change or withdraw this offer.
Only employees of selected Corporate Banking Package partners qualify. Mention your employer or enquire directly with The Mutual Bank to check eligibility.
The package advertises up to $500 in loan application-fee waivers across eligible home, car and personal loans; the actual saving depends on the applicable product fee.
The additional 0.10-percentage-point salary-deposit discount is for home loans only and does not increase this car/personal loan discount.
No fixed closing date is published; offers may be varied or withdrawn. Lending criteria, other fees and product terms apply. Broker availability is unverified.
Source checked 25 October 2026, 9:21 pm AEDT
Unity Bank
Fee waiverOther benefitOngoing benefit
Community Support Loan establishment-fee waiver
Unity Bank waives its establishment fee for approved Community Support Loans for eligible hardship circumstances.
No fixed closing date published. The lender may change or withdraw this offer.
For financial hardship involving recognised industrial action or community calamity. Approval and availability are at Unity Bank’s discretion.
Up to $10,000 for existing members or $5,000 for non-members, with terms up to 10 years. Contact Unity Bank to confirm eligibility and the applicable interest rate.
Repayments may be deferred for up to three months if approved. Interest continues to accrue and is added to the loan during a deferral.
No fixed closing date is published. Other fees, credit criteria and product conditions apply. This is a targeted support benefit, not an unrestricted cash offer.
Unity’s product page advertises these amounts and the fee waiver, but its target market determination contains different membership, fee and security wording. Confirm the applicable requirements with Unity before applying.
Source checked 25 October 2026, 9:25 pm AEDT
Unity Bank
Fee waiverOngoing benefit
Green Car establishment fee waiver
Establishment fee waived for eligible hybrid and electric vehicle loans.
Apply by 28 January 2027Approval by 11 February 2027
For a new Westpac unsecured personal loan used for debt consolidation. Apply using the online offer link by 28 January 2027.
Approval and contract acceptance required by 11 February 2027. No separate funding deadline stated.
Non-resident applicants excluded; cannot combine with another offer. $15 monthly fee and other applicable charges remain.
Offer may change or be withdrawn. No discounted fee is confirmed for a loan of exactly $10,000.
Source checked 25 October 2026, 9:16 pm AEDT
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Please check the lender’s current terms or contact us while the next review is completed.
About these offers
We review selected official lender sources. This page does not cover every lender or every offer. Each listing includes its main conditions, recorded deadlines and last successful source check. Ongoing benefits are product, member or package features that may not have a fixed end date.
After 24 hours, a listing is marked as previously advertised until it is checked again. Offers past a recorded deadline or with unresolved material terms are hidden. Offers can change or be withdrawn earlier, so check the lender’s current terms before applying.
Some offers require a direct application, membership, a partner invitation or a particular broker channel. An enquiry goes to us and does not itself secure a lender offer. We will confirm whether the offer is available through our service.
Information is general and does not consider your circumstances. Eligibility, lender approval, fees and full terms apply. Consider the total cost and whether a loan suits your needs.
