Personal loan · Unsecured · Fixed
Standard Personal Loan Fixed
9.35%comparison rate p.a.
from 8.99% advertised · Unsecured · fixed · any purpose
29th of 84 unsecured loans
Comparison rates are based on a loan of $30,000 over 5 years, secured or unsecured as each loan is. WARNING: This comparison rate is true 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.
Fees: $250 application.
- Advertised rate
- from 8.99% p.a.
- Application fee
- $250
- Loan amount
- $5,000 – $50,000
- Minimum age
- 18
- Comparison rate
- 9.35% p.a.
- Monthly fee
- None
- Advertised rate
- from 8.99% p.a.
- Comparison rate
- 9.35% p.a.
- Rate type
- Fixed
- Application fee
- $250
- Monthly fee
- None
- Annual fee
- None
- Early repayment fee
- None
- Late payment fee
- $100
- Loan amount
- $5,000 – $50,000
- Loan term
- 1 year to 7 years
- Extra repayments
- Yes
- Early payout
- Yes
- Redraw
- Yes
- Flexible repayment frequency
- Yes
- Minimum age
- 18
- Residency
- Australian residents only
- Standard Personal Loan Fixed
- RBA cash rate
- Unsecured average
No changes recorded for this product since tracking began on 12 September 2026.
A flexible loan that can be used for holidays, renovations, debt consolidation or a new toy to play with.
Also from Heritage Bank: Car Loan 6.84%
As of 8 October 2026, the Heritage Bank Standard Personal Loan Fixed has a comparison rate of 9.35% (from 8.99% advertised), ranking 29th of 84 unsecured loans tracked by BankMate and sitting 1.24 points below the unsecured market average of 10.59%. It is an unsecured fixed-rate loan for any purpose with fees of $250 application. Lenders publish the lowest rate in their range; the rate offered depends on the applicant. From the provider's Consumer Data Right feed, refreshed nightly.