Rating based on 24 reviews


  • Car loans up to $80,000
  • Low-interest starting from 12.74%
  • Repayment up to 5 years

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BankSA homepage
Author BankSA. Screenshot of BankSA website.
[Accessed June 10, 2018]

About BankSA

With everything from bank accounts and personal loans for everyday transactions to superannuation and term deposits – BankSA is a leading provider of competitive financial products and services.

Westpac is one of Australia’s big four banks and BankSA is wholly owned by them. This is why they are able to offer customers the lowest rates on the market and some of the most advanced technologies in the world.

Great customer service

BankSA has a fantastic customer service policy that ensures all customers are treated as well as their staff are.

They will quickly respond to online or email queries and it is easy to get through to their call centre should you wish to take care of something urgently. Availability and customer service may not be something that people consider when looking for a loan, credit card or bank account but, it certainly should be because it makes a significant difference.

Community growth and support

BankSA is passionate about supporting the South Australian communities they operate in, whether it is of a sport or cultural nature, they are willing and ready to lend a hand.

BankSA Services

If you’re looking for vehicle finance with BankSA you will need to have a look at their secured personal loan product.

This product offers between $3,000 and $80,000 from rates of 8.49% per annum on their fixed rate option with a maximum loan term of 5 years.

Variable rate personal loan

They also have a variable rate personal loan option which starts from 12.74% per annum with a longer maximum loan term of up to 7 years. They have made a redraw facility available to customers but, the minimum redraw amount is $500 and it is subject to approval.

Application fees

Upon completion of an online loan application or even an in-store application, you will need to pay a $195 application fee and thereafter an admin fee of $9 per month for the life of the loan. With their fixed rate loan option you cannot repay the loan early or redraw additional funds should you be in need of a quick cash loan or extra money at a later stage.

BankSA does allow people to finance a used vehicle with their secured personal loans; however, the vehicle cannot be older than 12 years upon conclusion of the loan agreement.

BankSA – Car loan

  • Loan Type Car loans
  • Interest Rate from 12.74%
  • Loan Amount up to $80,000
  • Repayment 12 months to 5 years

Benefits of BankSA

  • Interest rates start at 12.74%
  • Get vehicle finance up to $80,000
  • Repayment terms are up to 5 years

Car loan calculator

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

BankSA are passionate about supporting the South Australian communities with quick car loans

It is very easy to apply for a car loan with BankSA since it can be done in person at a branch or by filling in an online loan application via their website.

BankSA offers its customers both an unsecured and a secured personal loan option. Although the secured option is more ideal for purchasing a vehicle those who wish to a second-hand car may prefer the flexibility that the unsecured loan offers.

Can you apply?

If you are over the age of majority and are an Australian permanent resident or citizen then you can apply for a quick loan to get a car from this lender.

 You will also need to provide all of your personal and employment details including:

  • Where you work and how much you earn
  • Any assets and/or investments you have
  • Details of any and all debts under your name
  • Your monthly income and expenses overall
  • Your personal and contact details
  • The details of the car loan you desire
  • A personal reference and their contact information 

We have the products for you

Our company has what you need and we will prove it to you. if you are looking for the best insurance quotes or you are looking at opening a bank account for yourself or for your business we have got what you need. From loans to travel insurance to change your currency so that you have the correct currency for where ever you are travelling so we will make sure to help you get what you are looking for.

Car insurance

We want to help you keep your car on the road and ensure that you get the best benefits that we can offer you. We will make sure to find the insurance that fits your pocket from fully comprehensive insurance all the way to third party insurance. We would like to make sure that you get the best deal for your dollar. On our comprehensive option, we will offer you up to 30 days on hiring a car whilst your car is busy being repaired and you can also get a new vehicle if your car is unfortunately not fixable.

We offer you the loan calculator

This gives you the opportunity to see your loan and understand your payments that you will be making on a monthly or weekly basis you are able to move the numbers around to find the loan that suits you.

man holding thumbs up

BankSA is a trusted & reliable provider of car loans

In our review, BankSA 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.

BankSA is a registered credit provider in Australia: ACL 233714

Customer Reviews & Testimonials

November 2018

I got my car loan and my car insurance through the same company so great knowing I can make one payment instead of two. I highly recommend them.

Melani R
— Perth —

July 2018

Using the loan calculators has really helped me understand my loan better.

Silvia P
— Sydney —

May 2018

Being able to convert my currency before going on holiday was amazing to know that when I got over seas I would not need to stress.

Michael S
— Brisbane —

August 2018

I have found the car loan for me couldn’t be happier and more grateful for the support from this great team.

Sarah C
— Brisbane —

February 2019

Getting my car was easy through this company the best part was finding out that I didn’t need a different provider for insurance.

Ryan M
— Brisbane —

BankSA Contact

Contact Number


  • not available


Physical Address

Postal Address

  • BankSA GPO Box 399, Adelaide, 5001, Australia

Opening Hours

  • Monday 07:00 – 19:00
  • Tuesday 07:00 – 19:00
  • Wednesday 07:00 – 19:00
  • Thursday 07:00 – 21:30
  • Friday 07:00 – 19:00
  • Saturday 08:00 – 17:30
  • Sunday 08:00 – 17:30