Personal Loans

Enjoy the freedom to buy a new car, take a much-needed holiday or even tackle some home renovations. 

Fixed Rate Personal Loan

Fixed Rate Personal Loan

If you’re looking for a personal loan with set repayments, our Fixed Rate Personal Loan gives you the peace of mind in knowing what your repayments will be for the life of your loan.

Flexible repayment


Fast approval


Apply online

in under 15 minutes


Key features of the Fixed Rate Personal Loan:
  • Tailored interest rates based on your personal credit history
  • Minimum loan size $4,000, maximum $80,000* 
  • Loan terms from 1-5 years
  • Purpose includes consolidation loans
  • Unsecured Loan
  • The ability to make extra repayments or pay off your loan early without penalty
  • Flexible repayment frequency - pay weekly, fortnightly or monthly
  • The option to make repayments straight from your salary
  • $10 monthly fee
Applying for our Fixed Rate Personal Loan is easy. Applications can be made online, by calling 1300 13 23 28, or by visiting your nearest branch.
*$40,000 for debt consolidation

Rates & Fees

Here's a summary of the rates and fees for the Fixed Rate Personal Loan:

  • Interest rate: from 6.85% p.a. to 13.40% p.a. (Based on your personal credit history)
  • Comparison rate*: from 7.72% p.a. to 14.83% p.a. (Based on your personal credit history)

*Comparison rate based on a $30,000 loan over 5 years unsecured. WARNING: The comparison rate is applicable only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

  • Application fee: from $100 to $500
  • Monthly fee: $10

Additional fees, including a redraw fee and personal property security administration fee, may be payable.  For more information please see our Schedule of Fees and Charges. 

Download our Schedule of Fees and Charges



We get asked a lot of similar questions about our Fixed Rate Personal Loan, here are our most common ones. Call us on 1300 13 23 28 if you have a different question. 

Can I may extra repayments on my loan?
Yes. You can make additional repayments on the Fixed Rate Personal Loan to help you pay it off sooner. 
Can I redraw excess funds from my loan?
No, the Fixed Rate Personal Loan does not have a redraw facility. Refer to the comparison table below for a full list of features. 
How much can I borrow?
You can borrow up to $80,000. ($40,000 for debt consolidation) 
Can I choose my repayment frequency?
Yes. You can choose the repayment frequency that best suits you - weekly, fortnightly or monthly.
How long do I have to pay off my loan?
You can pay off your loan over a period of 5 years or less and can make extra repayments at no extra charge.

How was my interest rate determined?
Amongst other factors, rates are determined by your credit score. Your credit score (also known as VedaScore) is a number calculated from information in your credit report provided by Veda.  This information includes numbers of credit applications you have made to financial institutions, the number of defaults or court judgements listed and the age of your credit file. 

For more information, click here.

When do I find out what interest rate and comparison rate I’ll receive?
If you apply in branch or over the phone, a lending specialist will be able to determine whether you’re approved as well as your interest and comparison rate after a short credit assessment. If you apply online, a lending specialist will be in touch within 24 hours to inform you of the outcome of your application and the relative interest and comparison rate. 

Interest Rate
Comparison Rate*
Redraw Facility
Minimum Amount
Maximum Amount
Loan Period
Early Repayments without Penalty
Loan Repayments from Pay
Flexible Repayment Options
Maximum Car Age

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