Comparison rate for Car Loan based on a loan of $30,000 (secured) for a term of 5 years. Comparison rate for Unsecured Personal Loan and Flexible Personal Loan based on a loan of $10,000 (unsecured) for a term of 3 years. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.