Rating based on 35 reviews

Bank of SA

  • Personal loans up to $80,000
  • Low-interest starting from 7.49%
  • Repayment up to 5 years

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Bank of SA homepage
Author Bank of SA. Screenshot of Bank of SA website.
[Accessed March 15, 2023]

About Bank of SA

Bank SA has been actively involved in the economic development of South Australia since 1848 when it opened its first branch in the state.

We are the top local provider of low-interest personal loans, housing finance and rural banking services. In 2008, Bank SA became part of Westpac Group, one of the leading financial and banking companies in the country and in the entire region. We are committed to serving our customers in the best possible manner.

Services are based on professionalism

We can offer the most effective solution to any situation. We build strong long-term bonds with our clients. We have been serving families for generations.

We sponsor major events in the state, and we also make donations to some 100 charities in South Australia and the Northern Territory every year.

Bank of SA Services

Bank SA has been providing personal loans in Australia for more than 165 years.

You can use our personal finance products to buy a car or a boat, to pay for a holiday or to renovate your home. We provide debt consolidation packages as well. For getting a loan quickly, you simply need to apply online.

Unsecured loan options

Our personal loans are unsecured, making them your convenient choice. This gives you easier and even faster access to funds. You can apply for loans between $3,000 and $40,000. You can select between fixed and variable rates. With a fixed rate, you will have fixed payments throughout the term of the loan, which can be between 1 and 5 years.

You will be able to manage your money effectively and enjoy complete security. When you opt for a variable interest rate, you can make extra payments and use redraws. You can select a loan term from 1 to 7 years.

Bank of SA – Personal loan

  • Loan Type Personal loans
  • Interest Rate 7.4911.49% p/a
  • Loan Amount up to $80,000
  • Repayment 1 year to 5 years

Benefits of Bank of SA

  • Get lower interest rates
  • Use your loan to consolidate your debt
  • Apply for a loan with bad credit
  • Flexible rates

Personal loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This personal loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Bank SA – Taking the complication out of money lending

Bank SA provides fast personal loans in Australia. For over 165 years BankSA has made a renowned name in the microlending industry providing innovative financial solutions to Australians, for whatever they need it for.

Should you be wanting to purchase a new home, car or pay for educational fees, you know the trusted name in providing personal loans to Australian residents.

Should you be over the age of 18, have a valid banking account where you receive a regular wage, and be a resident of Australia, you can qualify for one of our personal loans.

Getting a personal loan through BankSA has never been easier

We require no security which enables you to get a loan online quickly. We have fixed and variable rates on our personal loans, depending on the terms you choose to pay it off over. The choice is yours.

We will advise on the best option to suit your individual needs, and financial standing.

Apply for a loan up to $40,000, to do whatever you like

Now you can take that long deserved holiday away with your family, and still have spending money.

BankSA believes in responsible lending, so we have experienced and knowledgeable staff on board our team to offer advice when you need it. Our terms for repayment range from 1 to 7 years, which makes it totally affordable to get a personal loan, and still afford to live comfortably, without having to pay massive instalments each week, month or fortnight.

Enquire with our team of the differences between our flexible options as well as our fixed and variable personal loan options.

Our easy loan application process allows you to apply online or through one of our consultants, we just making getting cash a little easier for our clients.

Call us today and get the personal loan you have always wanted.

man holding thumbs up

Bank of SA is a trusted & reliable provider of personal loans

In our review, Bank of SA adheres to the compliance criteria in accordance with the National Consumer Credit Protection Act 2009, where the granting the loan will not cause financial distress to the consumer.

✅ Bank of SA is a registered credit provider in Australia: ACL 233714

Customer Reviews & Testimonials

March 2019

If you phone the company about a query they are very to help you get all the information that you are needing they even offer you to come into the offices.

Claire M
— Perth —

June 2019

I got my loan approved now no more stress for a while and I am able to pay to get my car repaired.

Sarah J
— Perth —

Bank of SA Contact

Contact Number


  • not available


Physical Address

Opening Hours

  • Monday 09:30 – 16:00
  • Tuesday 09:30 – 16:00
  • Wednesday 09:30 – 16:00
  • Thursday 09:30 – 16:00
  • Friday 09:30 – 17:00
  • Saturday 09:30 – 13:30
  • Sunday – Closed