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Fixed Rate Loan Personal Loan

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Why choose our Fixed Rate Personal Loan?

Pay weekly, fortnightly or monthly over one to seven years.

Make repayments and track your loan in NetBank and the CommBank app.

Know exactly what your repayments will be for the life of the loan.

Here’s what you get

Borrow from $4,000.

If you apply and are approved by midday Monday to Friday (Sydney/Melbourne time).#

Ready to apply for a Fixed Rate Personal Loan? 


Already a customer banking online with us?

Save time by using your NetBank details


Apply in NetBank

New customer or don't bank online with us?

Apply now


Rate type

Interest rate

Fixed rate

From 12.99% p.a. for a 5 year loan

View our full range of 1-7 years Fixed Rates >

Comparison rate

From 13.86% p.a. based on an unsecured $30,000 loan over five years*

Things you should know

  • Your interest rate will be based on a number of factors, including the information you provide and our assessment of your application. We will confirm your actual interest rate in your loan offer document.
  • *WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Fee type



Establishment fee

Upfront cost payable when accepting a loan


Loan service fee

Monthly charge to cover costs of keeping account active

$10 per month

An upfront fee of $150 and ongoing monthly fee of $10 will apply, please consider these fees when deciding whether this loan suits your needs. Some additional fees, including a late-payment fee and other electronic banking fees may also apply.

See more

If you have Student Options, you're eligible for discounts on a range of products, including personal loans. 

Save time, apply online. It's safe & easy!

Tell us what you want the loan for and explore your loan and repayment options.

Tell us a bit more about you and your finances.

Once we have your application we'll give you a response within 60 seconds.

If you're approved, accept your contract and upload required suporting docs. New customers will need to pop into a branch for an ID check.

How to apply

Applying for a personal loan is quick and easy. Choose one of the options below:


Already a customer banking online with us?

Save time by using your NetBank details


Apply in NetBank

New customer or don't bank online with us?

Apply now


Call us on 13 14 31 8am – 8pm,
seven days (Sydney/Melbourne time)

Didn’t find what you were looking for?

Use our personal loan selector tool to choose between Variable, Fixed rate or Secured.

Use selector

Understand what your repayments will be. Adjust the term and the amount to meet your budget.

Use calculator

Estimate how much you can borrow and work out the repayments at the current interest rate.

Use borrowing calculator

Other lending options

Variable Rate Loan

Have the flexibility to make extra repayments at any time without a fee.

See more

Secured Car Loan

Use your new car as security to borrow at a lower rate than an unsecured personal loan.

See more

Personal Overdraft

Be ready to manage life’s little emergencies at any time.

See more

Things you should know

# Apply before midday Monday to Friday, and if you’re approved, we’ll give you access to your loan that day. Unavailable for secured loans, if an application is incomplete or needs to be referred for a more detailed review by a lending specialist, if required documentation isn’t provided and subject to system availability.

^ Additional repayments made on a Fixed Rate Loan are not available to be redrawn. Applications for finance are subject to the Bank’s normal credit approval. View the Personal Loan Terms and Conditions (PDF 284kb). Full terms and conditions will be included in our loan offer. Fees and charges are payable.

Unsecured personal loan repayment terms range from 1 to 7 years. Interest rate ranges and representative examples are based on an unsecured loan of $30,000 borrowed for 5 years are as follows:

  • with the minimum interest rate for a variable rate loan of 13.90% p.a. (14.77% p.a. comparison rate) or with the minimum interest rate for a fixed rate loan of 12.99% p.a. (13.86% p.a. comparison rate), the estimated total amount payable including fees is $42,540 or $41,696 respectively; and
  • with the maximum interest rate for a variable rate or fixed rate loan of 18.9% p.a. (19.74% p.a. comparison rate), the estimated total amount payable including fees is $47,344.

WARNING: These comparison rates apply only to the examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.