Defined Terms and Documents       

Unsecured Personal Loans means the Four Pillars 'et al' offer unsecured variable (floating) interest rate personal loans, where interest is calculated on the 'Outstanding Loan Owing' (not the 'Initial Loan Amount') for the term of the personal loan for as small as $5,000 and at least $50,000 for a loan from one year up to a maximum of 7 years. 

RBA  f08hist.xls

Personal Loan Comparison - Canstar

Unsecured Personal Loans - RateCity   georgia.brown@ratecity.com.au   alexandra.ritchie@ratecity.com.au

Commonwealth Bank's Unsecured Personal Loan 'Representative Rate' is 13.50%. "At least half of our customers will receive the representative rate or lower. It may not be the actual rate you receive."

Based on the SMH website, NAB is presently offering the cheapest 'variable interest rate' unsecured personal loan @ 12.99% which NAB contends equates to a Comparison Rate of 13.86% p.a. when the 'Loan Application Fee' and 'Monthly Fee' are converted to an interest cost equivalent based on an unsecured $30,000 loan over five years:

me Bank - Personal Loan 
As at 31 Dec '14 interest rate was 11.99% p.a. Comparison Rate was 12.36% p.a based on an unsecured $30,000 loan over five years repaid monthly.  One-off establishment fee of $250.  No ongoing account-keeping fees.
As at 18 Nov '22 interest rate was 10.98% p.a. Comparison Rate was 11.35% p.a based on an unsecured $30,000 loan over five years.  One-off establishment fee of $250.  No ongoing account-keeping fees.

Aussie  -    Personal Loan

                    As at 31 Dec '14 interest rate was 12.99% p.a. Comparison Rate was 13.94% p.a based on an unsecured $30,000 loan over five years.

                    As at 18 Nov '22 interest rate was 12.99% p.a. Comparison Rate was 13.94% p.a based on an unsecured $30,000 loan over five years.

NAB        -  Get the lowest rate of the major banks with a NAB Personal Loan (as at 31 Dec '14)

                    As at 12.99% plus a $150 'Loan Application Fee' and a $10 'Monthly Fee'.  The Comparison Rate when the 'Loan Application Fee' and 'Monthly Fee' are converted to an interest cost equivalent rate of 13.86% p.a. based on an unsecured $30,000 loan over five years.   [NAB increased its rate from 11.99% to 12.99% as at 19 July '14.]

                    As at 19 Nov '22 interest rate was 12.69% p.a. Comparison Rate was 13.94% p.a based on an unsecured $30,000 loan over five years

ANZ         -  Check your personal loan borrowing power and repayments in 5 minutes  (as at 31 Dec. '14)

13.69% plus a $150 'Loan Approval Fee' and a $30 'Quarterly Loan Administration Charge'.  The Comparison Rate when the 'Loan Approval Fee' and 'Monthly Service Fee' are converted to an interest cost equivalent rate of 15.55% p.a. based on an unsecured $10,000 loan over three years.  1% p.a. off the variable interest rate on new ANZ Personal Loans  Loans Comparison Rate Schedule.

  

As at 18 Nov '22 interest rate was 12.99% p.a. Comparison Rate was 13.94% p.a based on an unsecured $30,000 loan over five years.

CBA        -  About the Variable Rate Personal Loan   (as at 31 Dec. 14)   

13.9% plus a $150 'Loan Establishment Fee' and a $10 'Monthly Service Fee'.  The Comparison Rate when the 'Loan Establishment Fee' and 'Monthly Service Fee' are converted to an interest cost equivalent rate of 14.77% p.a. based on an unsecured $30,000 loan over five years.  Late Payment Fee of $20 if payment is more than 5 business days late.  These rates were still current on 31 Dec '14.

Westpac  - Flexi Loan (as at 31 Dec '14)

                    14.69% plus a $150 'Loan Establishment Fee' and a $10 'Monthly Service Fee'.  The Comparison Rate when the 'Loan Application Fee' and 'Monthly Fee' are converted to an interest cost equivalent rate of 11.88% p.a. based on an unsecured $30,000 loan over five years.   Westpac has increased the rate from 10.99% to 14.69% as at 19 July 14.
[As at 11 June '14, Westpac's rate was a very low 10.99% plus a $150 'Loan Establishment Fee' and a $10 'Monthly Service Fee'.  The Comparison Rate when the 'Loan Application Fee' and 'Monthly Fee' was converted to an interest cost equivalent rate of 11.88% p.a. based on an unsecured $30,000 loan over five years.] 

Below is SMH's listing on 6 May '15 of low interest personal loans where 'People's Choice Credit Union' and 'RateSetter' offer unsecured personal loans at low interest rates. 

F8  PERSONAL LENDING RATES
Data are compiled based on monthly returns collected by APRA from banks and registered financial corporations that have $500 million of personal credit or more. This threshold captures over 95 per cent of total personal credit. 
Due to the nature of these data sources, these rates are indicative only and are likely to be regularly revised. The RBA continuously reviews a variety of sources for interest rate data and may make changes to the series provided here as a result.
Data are not break adjusted.
Data reported in this table are weighted averages of interest rates reported by each lender participating in the Economic and Financial Statistics (EFS) collection, and measure the interest rates paid by resident borrowers. 
Interest rates for credit outstanding are weighted by the value of credit outstanding reported by each lender participating in the EFS collection. 
Interest rates for new credit funded in the month are weighted by the value of credit funded in the month by each lender participating in the EFS collection. 
A loan or finance lease is considered funded once any portion of the funds is made available for the borrower to draw down according to the terms of the contract.
A 'finance lease' has the meaning in AASB 16 Leases (AASB 16). In general, it means a lease that transfers substantially all the risks and rewards incidental to the ownership of the asset. Title may or may not eventually be transferred. 
'Margin lending' is the provision of secured loans to investors for the purpose of purchasing financial assets. The purchased assets are generally used as security for the margin loan. The financial assets purchased are usually equities or units in managed funds.
A 'fixed-term loan' means a loan extended for a fixed period, with a maturity date by which the loan must be repaid. Repayments over the fixed period reduce the loan balance and do not make further finance available. It includes: redraw facilities attached to fixed-term loans. It excludes: revolving credit facilities.
The series 'other revolving credit' reports revolving credit other than credit cards and margin lending. 'Revolving credit' means lending facilities that the borrower may repeatedly draw down in part or in full up to an authorised credit limit and repay, any credit drawn, in part or in full, on multiple occasions without the facility being cancelled. Repayments (other than of charges and interest) reduce the borrowings, thereby increasing the amount of unused credit available. This includes facilities with a fixed term that meet the above criteria. It includes: arranged overdrafts; unarranged overdrafts; secured and unsecured revolving credit facilities; reverse mortgages. It excludes: redraw facilities attached to fixed-term loans; bill facilities.
For definitions and inclusion criteria for each series, please see Australian Reporting Standard ARS 746.0, available at https://www.apra.gov.au/sites/default/files/ars_746.0_absrba_personal_credit_stocks_flows_and_interest_rates_1_0.pdf.