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KLASS BANK

Match the borrowing structure to the expense

Choose a fixed borrowing need or a reusable facility, then prepare the information needed for a lending conversation.

Compare your options ↓
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01 / EXPLORE

Find the arrangement that fits

Select an option to build your preparation list and a focused request to KLASS BANK.

Unsecured personal loan

A defined one-off expense

Borrow an agreed amount and repay it over a defined term without pledging a specific asset as collateral. Affordability and credit assessment determine the offer.

What to compare and prepare

Compare total repayment, instalments, fees and early-repayment conditions.

  • Purpose and amount
  • income evidence
  • existing debts and regular commitments

Secured personal loan

Borrowing with collateral

Discuss borrowing supported by an eligible asset. The value, ownership and suitability of the security form part of the lending assessment.

What to compare and prepare

Understand valuation requirements and the consequences of failing to repay.

  • Asset description and ownership
  • amount required
  • income and debt information

Personal credit line

Variable funding needs

Discuss a facility for recurring or uneven funding needs. Drawing, repayment and available credit follow the approved limit and facility terms.

What to compare and prepare

Review interest on drawings, repayment requirements, review dates and facility charges.

  • Expected peak borrowing
  • timing of drawings
  • planned source of repayment
Compare all options side by side
Compare the purpose and terms to review
OptionPrimary needTerms to review
Unsecured personal loanA defined one-off expenseCompare total repayment, instalments, fees and early-repayment conditions.
Secured personal loanBorrowing with collateralUnderstand valuation requirements and the consequences of failing to repay.
Personal credit lineVariable funding needsReview interest on drawings, repayment requirements, review dates and facility charges.

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