--- title: Personal loan - fees description: Here’s a breakdown of the fees and other costs for payment plans --- [Skip to content](https://help.breezefinance.com.au/knowledge-base/personal-loan-fees#main-content) [Sign in](https://help.breezefinance.com.au/_hcms/mem/login?redirect_url=https%3A%2F%2Fhelp.breezefinance.com.au%2Fknowledge-base%2Fpersonal-loan-fees&hsLang=en-au) Open main navigation Close main navigation - [Sign in](https://help.breezefinance.com.au/_hcms/mem/login?redirect_url=https%3A%2F%2Fhelp.breezefinance.com.au%2Fknowledge-base%2Fpersonal-loan-fees) How can we help you? - There are no suggestions because the search field is empty. 1. [Breeze Finance](https://help.breezefinance.com.au/knowledge-base?hsLang=en-au) 2. [ General information ](https://help.breezefinance.com.au/knowledge-base/general-information?hsLang=en-au) 3. [ Fees ](https://help.breezefinance.com.au/knowledge-base/general-information?hsLang=en-au#fees) # Personal loan - fees ## Here’s a breakdown of the fees and other costs for personal loans > **MISSED PAYMENTS** | **Dishonour fee **- If we make an unsuccessful attempt to draw money from your account | $14.95 per dishonour | | --- | --- | | **Late Payment fee** - if you fail to make your periodic payment by the due date | $20.00 per late payment | > **OTHER FEES** | **Application fee - **this fee is charged when you take out a loan with us | $120.00 | | --- | --- | | **Establishment fee - **A once-off fee is charged based on the amount you borrow | $395.00 (under $5000) $595.00 ($5001+) | | **Monthly account fee - **If there is an outstanding balance on the first day of the calendar month, payable monthly in arrears on the same day as the Loan Date each month. | $13.00 per month | | **Payment date change fee** - if you request us to change the date your periodic repayments are due.  | $14.95 per request | | **Payment handling fee** - If you elect to make a scheduled repayment via direct deposit or over the phone instead of by direct debit | $10.00 per request | | **Change bank account **- If you complete an online form to change the bank account used to make repayments via direct debit | $14.95 per request | | **Manual statement fee - **if you request additional statements outside our usual statement cycle | $20.00 per request | | **Card surcharge fee - **this fee is charged if you elect to use a debit or credit card to make payments | 2.2% of the amount paid | | **Early termination fee - **this fee is charged if you elect to repay your loan early during your loan term. We will not charge an early termination fee if the total payable by you exceeds the amount you would pay had you kept your loan until the end of the term. | $250.00 (within 1st half) $150.00 (within 2nd half)  | | **Variation fee - **This fee will apply if you request to increase the amount of credit after you have accepted the loan | $50.00 | | ****Direct Debit Claim - ****if you dispute the DDR authority you have given us by making a claim with your bank | $70.00 per dispute | | **Chargeback - **If you challenge a payment with your card issuer on an account where you’ve given us DDR authority.  | $70.00 per dispute | | **Cancellation fee - **If you elect to cancel your contract. | $120.00 | | **Payout letter - **If you request, we prepare a payout letter for a bank or financial institution | $20.00 per request | > **IF YOUR ACCOUNT IS IN DEFAULT** Please keep in mind that if your account goes into default, you will be charged penalty interest at a higher rate than the normal rate. If you're unable to make a payment or work out a payment arrangement with us, there could be extra fees and charges, such as final notices, credit reporting, and security registration fees. We also want to remind you that if all efforts to resolve the situation are ignored, recovery and legal action could be involved. This will increase the debt you owe us in legal fees, and you remain liable to pay as per the contract. We understand that facing financial challenges can be tough, and we're here to help you through it. If you're having trouble keeping up with payments or simply want to discuss your options, don't hesitate to give our friendly team a call. We're always ready to support you and find the best way to avoid extra fees and charges by talking about your situation early. 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