Personal

Pula will be there to guide you through every step of the way, whether you are looking for a loan for you first home, through to a seasoned investor looking at an investment property loan. Whether you want a fixed rate, split rate or variable loan, it is important to spend time looking at the various options available and understanding which one meets your specific needs.

We work with all the major lenders to offer you choice and flexibility when borrowing. The published interest rates below and these rates along with various features you might require are the main facets to consider when choosing your loan. Whether you need greater flexibility on repayments or perhaps an offset account for example, there is a loan that will suit you. Please look at the various options and their specific features.

As at 10/11/2015

 

Line of Credit

Rate Type Interest Rate
Variable Rate From 13.90% p.a.
Fixed 14.77%p.a.* based on an unsecured $30,000 loan over five years

Important information:

Your interest rate will be based on a number of factors, including the information you provide and our assessment of your application. We will confirm your actual interest rate in your loan offer document. For information on our current range of interest rates, you can call us on 1300 557 666 1431, 9.00am to 5.00pm EST. Monday – Friday

*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.

Fees & Charges 

Fees that will apply

Fee Type Definition Amount
Establishment fee Upfront cost payable when accepting a loan $150
Loan service fee Monthly charge to cover costs of keeping account active $10 per month

 

Fees that may apply

Fee Type Definition Amount
Guarantee fee Fee charged to cover the costs of adding a guarantor to the loan $120
Settlement cheque fee Cheques provided to help you pay different recipients with your loan borrowings Two free
$10 for every additional cheque
$10 cancellation fee
Late payment fee Fee charged if a payment is not received within 5 business days of the due date $20
Repayment redraw fee You may be able to redraw money you’ve paid back on your loan. No fee for electronic redraws. $10 fee for branch redraws
Other electronic banking fees Please refer to our Electronic Banking General Information and Terms and Conditions

Important information
A copy of our Standard Fees and Charges for Line Of Credit can be requested by emailing contact@pulacapital.com.au , or by calling 1300 557 666, 9.00am to 5.00pm EST Monday – Friday

BUSINESS

Line of Credit

Rate Type Interest Rate
Variable Rate From 13.90% p.a.
Fixed 14.77%p.a.* based on an unsecured $30,000 loan over five years

Important information:

Your interest rate will be based on a number of factors, including the information you provide and our assessment of your application. We will confirm your actual interest rate in your loan offer document. For information on our current range of interest rates, you can call us on 1300 557 666 1431, 9.00am to 5.00pm EST. Monday – Friday

*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.

Fees & Charges 

Fees that will apply

Fee Type Definition Amount
Establishment fee Upfront cost payable when accepting a loan $150
Loan service fee Monthly charge to cover costs of keeping account active $10 per month

Fees that may apply

Fee Type Definition Amount
Guarantee fee Fee charged to cover the costs of adding a guarantor to the loan $120
Settlement cheque fee Cheques provided to help you pay different recipients with your loan borrowings Two free
$10 for every additional cheque
$10 cancellation fee
Late payment fee Fee charged if a payment is not received within 5 business days of the due date $20
Repayment redraw fee You may be able to redraw money you’ve paid back on your loan. No fee for electronic redraws. $10 fee for branch redraws
Other electronic banking fees Please refer to our Electronic Banking General Information and Terms and Conditions

Important information
A copy of our Standard Fees and Charges for Line Of Credit can be requested by emailing contact@pulacapital.com.au , or by calling 1300 557 666, 9.00am to 5.00pm EST Monday – Friday