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BankSA Car Loan Repayment Calculator

BankSA has been part of the South Australian community since it first opened its doors in 1848 as The Savings Bank of South Australia. To this day it has remained the State’s largest financial institution and provider of personal finance and rural banking facilities. BankSA has the most branches and ATMs in South Australia and actively participates in community fundraising and charity events. The bank offers a full range of products to its customers which include car loans, credit cards, home loans, personal loans, savings accounts and investment products as well as a range of specialist lending products.

BankSA car loan repayment calculator

Thinking about taking out a car loan with BankSA? Use our car loan calculator to see how much you’d have to repay under different borrowing scenarios. You can also see how BankSA car loans compare with other options.

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BankSA Car Loans rates

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BankSA car loans

About BankSA car loans

BankSA is a division of Westpac Banking Corporation that is based in South Australia. The bank offers a full suite of personal finance products from credit cards to car loans. Within the car loan product offering, BankSA provides options for fixed and variable loans as well as secured and unsecured loans. Customers of BankSA can contact the bank through numerous hotlines, that are available 6 days a week, or by visiting one of their branches if you are in South Australia.

Features of a BankSA car loan

A BankSA car loan can be used for new and used vehicles which means you have full freedom to explore the type of vehicle you may like to buy. The minimum loan amount for a BankSA car loan is generally $3000 and the maximum can range from $40,000 to $80,000 depending on the type of loan you take out. The loan term will similarly vary depending on whether you choose a fixed or variable rate loan. Fixed rate loans can be taken out over one to five years and variable loans over one to seven years.

 All BankSA car loans have fees that are charged on application and then an ongoing monthly fee. For customers who are considering the unsecured car loan from BankSA there is a redraw facility that can be used for a small fee. This could be a useful feature for those who are planning on making extra repayments to the loan and may need access to the cash at a later time.

Customer service

  • Customer service centre (phone)
  • Mobile app
  • Online banking
  • Email
  • Live Chat
  • Branch
  • Mobile banking staff



  • Applications accepted online
  • Branch access available
  • Can be used for used and new vehicles
  • Redraw available with some loan variations



  • Application fee charged
  • Ongoing monthly fee charged


What RateCity says

BankSA has a wide range of loans on offer for those looking to purchase a vehicle. Whether you are after a secured, unsecured, fixed or variable loan BankSA will have options that could suit your needs. Depending on which loan you choose, BankSA has interest rates that range from below average to the top of the market. This will largely depend on whether you are willing to secure the loan to your vehicle or not.

BankSA car loans charge an average upfront fee and a small ongoing monthly fee. You can be charged an exit penalty if you pay the loan out before the end of the loan term. These loans are also not available to 457 visa holders so you should consider your eligibility before applying.   

Applying/ eligibility

BankSA car loans can be applied for online or via a branch. Online applications should take less than 15 minutes and you should receive a response in 60 seconds. You will be subject to the eligibility criteria of the lender and if you are self-employed you will be required to provide extra paperwork to prove a steady income stream.

  • Must be able to provide details of your current assets and liabilities.
  • Must be able to provide details of current employer.
  • Must provide contact details for one personal reference.


There are multiple lenders who are willing to provide loans secured by guarantors.

If someone is willing to go guarantor for you and they meet the requirements set out by lenders, you can apply for guarantor finance online, over the phone, or in person.

Some banks also provide guarantor car loans, though because they’re larger banks, they may have higher interest rates than smaller lenders.

You may want to compare guarantor car loans at RateCity, and find a guarantor car loan ideal for your purposes.


^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.

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