Banco Commonwealth
Enjoy rates from 7.00% p.a., borrow from $4,000 up to $120,000, and save $250 on the establishment fee for a limited time. Multiple flexible loan options available.
CommBank’s current personal loan offering stands out with competitive interest rates from 7.00% p.a. for both variable and fixed rate options. With approved funding, borrowers can access $4,000 up to $50,000 on unsecured loans, or up to $120,000 for car loans secured by the vehicle. For a limited time, applicants for an unsecured loan can enjoy a $250 discount by paying zero establishment fee when they apply and fund between 3 November 2025 and 23 February 2026. Monthly service fees remain at $15, but flexible repayment periods between one and seven years make this a versatile option for Australians seeking credit.
Como solicitar um empréstimo pessoal do CommBank
- Complete the easy online application form
- Receive an instant response (usually within 60 seconds)
- On approval, receive and review your contract
- Submit requested documents for identity & eligibility verification
- Once approved and funds clear, start using your loan
Principais vantagens
A big positive is the $250 fee waiver during the promotional window, which makes upfront costs minimal compared to similar offers. Interest rates are highly competitive, which can mean lower total repayments for many borrowers depending on creditworthiness.
Additionally, CommBank offers flexible repayment options—including the chance to make extra repayments on variable rate loans without fees, and redraw features to access surplus funds if needed. Their well-reviewed digital platform helps with easy management of your loan.
Coisas a considerar
Monthly loan service fees of $15 apply, which can add up over the life of the loan, especially for smaller loan amounts. For fixed rate options, there may be early repayment adjustments if paid out ahead of schedule, so you need to carefully check contract conditions before finalising your loan.
Some applicants may not qualify for the lowest advertised rates, as rates are determined by personal financial circumstances, credit score, and other factors determined by CommBank during the application process.
Nosso veredicto
CommBank’s personal loans are a sound choice for Australians seeking flexibility, a simple online process, and strong digital banking capabilities. If you’re eligible for the $250 fee waiver, this offer stands out, especially if you also value competitive rates and reliable service from a major bank. The terms are transparent, and multiple loan types serve a broad range of needs, earning this offer a high recommendation for most personal borrowing scenarios.
