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myState Financial Personal Loans

myState Financial Personal Loans

1.9 from 12 reviews


  • Transparency
    3.0 (2)
  • Customer Service
    3.0 (2)
  • Loan TypeVariable Rate (1)
  • Application Process
    5.0 (1)
  • Timeliness
    3.0 (2)
  • Loan Term25 years (2)

Ravi Rana

Ravi RanaSydney, NSW

  • 2 reviews

Great Customer Service


Kerry Jones, Laura Willing, Amanda and Adam have all been so helpful with all my queries and timely customer support. Always willing to listen and help with all my properties which I have with MYSTATE. Highly recommended bank in my view.

Customer Service
Application Process
Loan Start DateJune 2015
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flyhorse501Sydney, NSW

  • 12 reviews

Cut bonus saver account earning rate without notifying existing customers


MyState bank cut the bonus saver account(for earning interest) rate from 2.45% to 2.0% without telling existing customers before the date of the cut and after the date of cut, they still don't email the earning cut to existing customers, I received notice email from rams, ubank one month before any rate change.
I believe it's a foreign bank that why it behaved like a thief.


JayPerth, WA

Absolutely do not use this bank, you have been warned

Customer Service
Loan TypeVariable Rate
Loan Start DateDecember 2011
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I have changed my mind


Was closing term deposits.but after the way Kayla conducted herself I stayed.brilliant and helpful.i may come back to my state with more business

Absolutely Terrible



ashsmithton, tasmania, 7330

  • 4 reviews

website and mobile App the worst i have ever seen


I have recently changed to Mystate because of it was the lowest interest rate i could get, and my old bank was not willing to play ball, the staff and the loan went all good.
the main problem i have is their website and mobile app, its completely useless, in the 5 months i have been using their site/app i have been locked out of our accounts 4 times, as it just loses all the logon details and then either have to go into a branch to fix or call, very inconvenient, then their credit card is not linked to your accounts, have to sign in to a completely different site to pay bills etc, and this site is nearly impossible to navigate, it took me a couple of days to work out how to pay my bills, use Bpay etc, hopeless the both of them

Useless, disorganised and completely unprofessional.




  • 5 reviews

Utterly useless and treat you like scum.


I've been with Mystate for 20 years, and over time they've devolved in to the sham of a business it is today.
With absolutely absurd account fees amounting to nearly $20 every month, staff who clearly have no idea what they're talking about and proceed to treat you like penniless morons, it's a wonder they have any customers at all. And even more than any other bank, they take "make the rich richer" to the extreme by basically eliminating all fees for people above a certain income threshold.
At no point in the last decade have I been happy or even content with Mystate, I really need to get away from these incompetent buffoons.

Treat customers as though MyState have no competetion


After 25 years of loyalty i'm leaving these clowns! My mortgage rate was increased by .5% just because. No RBA increase, just some greedy bean counter thinking id stay there because of the effort in re-financing. I asked for it to be reduced but was told NO! there is nothing we can do to keep your business.

Worst bank ever, they charge $30 dishonour fees each day


In 2 months I have been charged $600 in dishonour fees as I signed up and I am new at paypal. I mucked up a couple of times, I have been a customer for 20 years with them only to be robbed and treated like crap. Have opened up bank account with westpac, would advise nobody to sign up with this so called bank.



  • 31 reviews

Not personal at all


The staff seem inexperienced. I'd rather go use a bank. The rates are ok, but I recommend going and shopping around as you want to minimise the interest paid to the least possible. They have also closed a number of branches over the years which makes the less convenient to access.



41.2SouthTAS, 7275

  • 12 reviews

Quick and friendly


Have had several personal loans over the years and found their rate fairly competitive. Others used RACT, ESANDA, ANZ, and Commonwealth.
Easy finance
monthy account fee has been added since merging with another financial institution

Questions & Answers



Have you had any experience with their term deposit accounts? Good or bad?

1 answer


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