UniBank
Fixed Rate All Purpose Personal Loan
Our Fixed Rate All Purpose Personal Loan allows you to lock in your interest rate and repayments for a fixed period.
Personal loansBank updated 23 July 2026
At a glance
- Fixed
- 6.99% · 7.20% comparison
- Loan size
- $4,000 to $80,000
- Upfront fee
- $150
§ 01 — Rates · 5
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedFixed rate for 2 years. Comparison rates quoted are based on $30,000 for a term of 5 years for All Purpose Loans. Products quoted are unsecured except Car Loans over $50,000 are secured. WARNING: Thi… | P&I | 2 yrs fixed | — | 6.99% | 7.20% | — |
| FixedFixed rate for 3 years. Comparison rates quoted are based on $30,000 for a term of 5 years for All Purpose Loans. Products quoted are unsecured except Car Loans over $50,000 are secured. WARNING: Thi… | P&I | 3 yrs fixed | — | 6.99% | 7.20% | — |
| FixedFixed rate for 4 years. Comparison rates quoted are based on $30,000 for a term of 5 years for All Purpose Loans. Products quoted are unsecured except Car Loans over $50,000 are secured. WARNING: Thi… | P&I | 4 yrs fixed | — | 6.99% | 7.20% | — |
| FixedFixed rate for 5 years. Comparison rates quoted are based on $30,000 for a term of 5 years for All Purpose Loans. Products quoted are unsecured except Car Loans over $50,000 are secured. WARNING: Thi… | P&I | 5 yrs fixed | — | 6.99% | 7.20% | — |
| FixedFixed rate for 6 years. Comparison rates quoted are based on $30,000 for a term of 5 years for All Purpose Loans. Products quoted are unsecured except Car Loans over $50,000 are secured. WARNING: Thi… | P&I | 6 yrs fixed | — | 6.99% | 7.20% | — |
§ 02 — Fees · 2
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| BREAK_FEE | Exit | $0 to $9,999,999 | — | At cost. Payable on early repayment i.e. during the fixed rate period if you repay the loan in full, you repay part of the loan or you switch from this loan type to another loan type. Please refer to… |
| APPLICATION_FEE | Upfront | $150 | — | This fee is applicable when the loan is funded. Personal Loan Application Fee Waiver |
§ 03 — Features
Digital banking
- · No ongoing fees
- · Choose weekly, fortnightly or monthly repayments
- · A competitive fixed interest rate
- · Debt consolidation
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Individuals must be citizens or permanent residents of Australia.
- · Available to individuals
- · Amount $4,000 to $80,000
- · You must be a member. Membership is open to current or retired employees, graduates and post-graduates and current students of an Australian university or family members of members (i.e. shareholders…
- · All applications for credit are subject to responsible lending criteria. Fees and charges apply. You can find our Consumer Lending terms and conditions online or from any of our offices.
§ 06 — Run the numbers
Put this product through a calculator
Published by UniBank under the Consumer Data Right, last changed by them on 23 July 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.