Personal and Car Loans

Interest Rates effective 5 February 2026.

Interest is calculated daily. Interest rates are per annum, current at the time of printing and are subject to change without notice.

1. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate. Fees and charges apply. Terms and Conditions are available on request.

2. The 3% discount is off the standard car loan rate. We reserve the right to amend or withdraw these offers at any time.

3. Comparison rate calculated on an unsecured loan amount of $10,000 for a term of 3 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate. Fees and charges apply. Terms and conditions available upon request.

4. Comparison rate calculated on a secured loan amount of $30,000 for a term of 5 years.

5. Comparison rate calculated on a secured loan amount of $10,000 for a term of 3 years.

6. Minimum redraw is $500. Refer to the Terms and Conditions available on the Disclosure Documents page.

Credit Assessment Criteria

Loan approval is subject to meeting Bank First Credit Assessment criteria.

Before entering a credit, contract or increasing a credit limit, we must make an assessment as to whether the contract or increase would be unsuitable for you. To make this assessment we must:

• Make reasonable enquiries about your requirements and objectives in relation to the credit contract, and

• Make reasonable enquiries about your financial situation, and

• Take reasonable steps to verify your financial situation. The extent of the enquiries we undertake will depend on the circumstances.

Note: If you apply, you will consent to a credit check being completed.

Please refer to Bank First Privacy Policy.