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Lenders › Unity Bank › Emerald Fair Rate Personal Loan Variable P&I

Unity Bank · Personal loans

Emerald Fair Rate Personal Loan Variable P&I

Unity Bank's Emerald Fair Rate Personal Loan Variable P&I is a personal loan. The figures are the ones Unity Bank publishes under the Consumer Data Right today. The advertised rate has not moved since we began tracking it.

Advertised rate
9.99%
headline tier
Comparison rate
10.00%
as published
Last moved
Never
since tracking began
9.99%5 October 20264 November 2026

Advertised rate, last 30 days. Unchanged over the last 30 days.

Every current rate (1)

TierRateComparison
Variable, P&I9.99%10.00%

Rate moves, last 30 days

No rate moved on this product in the last 30 days.

Published fees

FeeAmount
Loan establishment fee - personal loan (new)upfront: A fee charged to set up a new personal loan$150
Loan establishment fee - personal loan (top up)upfront: A fee charged to vary the value of an existing personal loan$100
Late payment feewhen it happens: A fee charged when you don't make your minimum monthly payment, plus any overdue amount$15
Default notice feewhen it happens: A fee charged if you default on your repayments and we issue a default notice$50
Paper statement feerecurring: A fee charged to cover the cost of producing and sending paper statements$2

Other Unity Bank personal loans

Green Upgrades Loan (with mortgage) 5.55%Community Support Loan 5.60%Green Upgrades Loan 6.05%Green Car Loan 6.49%Diamond Fair Rate Personal Loan Varibale P&I 7.99%Fixed Rate Car Loan P&I <5Y 7.99%Fixed Rate Car Loan P&I >5Y 9.99%Sapphire Fair Rate Personal Loan Variable P&I 10.99%Ruby Fair Rate Personal Loan Variable P&I 12.99%Opal Fair Rate Personal Loan Variable P&I 16.99%

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