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Fixed Rate Personal Loan

An unsecured personal loan with a fixed interest rate and no penalties for additional repayments!

Apply now Money magazine awards 2018

Current interest rates

Online application takes about 15 minutes

Why choose our Fixed Rate Personal Loan?

You can upload your documents online

You’ll receive a response within 15 minutes

You can repay your loan after 12 months without penalty

You won’t be charged for extra repayments

Whether you’re borrowing for a boat, a caravan, a holiday, something for your home, or just something for you, our Fixed Rate Personal Loan can help make it possible. Fixed repayments make it easy to budget for your purchase, plus we include all the flexibility you need. Select the loan term that suits you and make extra payments when you choose!

Personal Loan Repayments Calculator

Use our Personal & Car Loan calculator to estimate how much your loan repayments will be

Rates and fees

Interest rates




Establishment Fee (financed with the loan).


Monthly Account Keeping Fee

$5 per month for the term of your loan

Early Payout Fee1

$0 if you’ve had the loan for more than 12 months.


$300 (When the loan is paid out within 12 months of settlement and the term of the loan exceeds 12 months. Payable on the day the loan is paid out.) 

Establishment fees and monthly fees are waived for Suncorp Home Package Plus customers.

For a complete guide to the fees and charges on our Personal Loans, download our Lending Fees and Charges brochure.

Personal Loans can be used for ...


Debt consolidation





Open an account in minutes

Apply online

You'll need 15 minutes and two forms of identification

Call us

Mon – Fri 8am – 10pm
Sat – Sun 8am – 6pm

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We'll take you through it face to face

Insights and stories

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1. An early payout fee applies if you repay your loan within 12 months of settlement and the term of the loan exceeds 12 months.

* The comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as 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. Comparison rate is based on a $30,000 loan over 5 years.

^ Rates effective 26 July 2018.

Banking products are issued by Suncorp-Metway Ltd ABN 66 010 831 722 Australian Credit Licence number 229882 (“Suncorp Bank”) to approved applicants only. Please read the relevant Product Information Document and Terms and Conditions before making a decision regarding a Suncorp Banking product. Fees, charges, terms and conditions apply and are available on request or at Product Information Documents and Forms page.

The Personal Property Securities Register

The Personal Property Securities Register (PPSR) is a national online register that can provide information to help protect consumers when they are buying personal property such as cars, boats or artworks (not including land or buildings). If you are buying a car privately you should conduct a search and check that there is no money owing on the car.

Next Day Working Conditional Approval

Provided the information you supplied in your application is correct and you can prove that to us.

Fixed Rate

Lock in your interest rate and repayment amount

Comparison Rate

A comparison rate is a rate that indicates the true cost of a loan. This rate incorporates certain fees and charges that are applicable for the chosen product.