Personal Lending Rates

Unity Bank Personal Lending Rates as at 28 March 2024

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.

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.

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 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.
³ Interest rate on purchases. Up to 50 days interest free providing you pay your account in full each month and by the due date.
⁴ 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.
⁵ New separate interest rate tier for Fixed Rate Car Loans where the security is over 5 years old.

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