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- Heritage Bank
- Unsecured Fixed Standard Personal Loan
Unsecured Fixed Standard Personal Loan
- 1 to 7 years
- Unsecured
- Fixed Rate
- No ongoing fees
Interest rate p.a.
8.99%
Comparison rate* p.a.
9.35%
Unsecured Fixed Standard Personal Loan
- 1 to 7 years
- Unsecured
- Fixed Rate
- No ongoing fees
Interest rate p.a.
8.99%
Comparison rate* p.a.
9.35%
RateCity says
"Borrow up to $25,000 with no security, and keep your repayments consistent for easier budgeting. "
Calculate your repayments for this loan
Your estimated repayment
$208
based on 10000 loan amount for 5 years at 8.99%
Pros and Cons
For Unsecured Fixed Standard Personal Loan
Benefits
- Lower than average rate
- No ongoing fees
- Unlimited extra repayments
- Flexible repayment options
- No security required
- Can apply online
- Can apply in branch
- Use the loan for any worthwhile purpose
Drawbacks
- Higher than average application fee
Heritage Bank Rate Personal Loan overview
For Unsecured Fixed Standard Personal Loan
Details
Total repayments
$12,452
Interest rate type
Fixed
Borrowing range
$5k - $50k
Security type
Unsecured
Loan term
1 to 7 years
Secured by
Loan type
Is Fully Drawn Advance
Repayment frequency
Weekly, Fortnightly, Monthly
Target Market Determination
Visit Heritage Bank, a trading name of Heritage and People’s Choice Limited to view Target Market Determination.
Features
Extra repayments
Yes
Redraw facility
redraw activation fee of $0
Instant approval
Time to funding
N/A
Fees
Upfront fee
$200
Ongoing fee
$0
Missed payment penalty
$30
Early exit penalty fee
$0
Permitted Loan Purposes
New car
Used car
Motorcycle
Boat
Debt consolidation
Renovation
Holidays
Medical bill
Shares
Student loan
Wedding
Promoted personal loan products
Low Rate Personal Loan Unsecured (Excellent Credit)
Real Time Rating™
- 2024 Award Winner
- 1 to 7 years
- Unsecured
- Fixed Rate
Interest rate p.a.
6.57%
up to 8.48%
Comparison rate* p.a.
7.19%
up to 13.58%
Australian Credit Licence 488228
Fees & charges apply
Unsecured Personal Loan (Excellent Credit) (Amount > $5000)
Real Time Rating™
- 2024 Award Winner
- 3 to 5 years
- Unsecured
- Fixed Rate
Interest rate p.a.
5.76%
up to 24.03%
Comparison rate* p.a.
6.55%
up to 24.99%
Australian Credit Licence 474726
Fees & charges apply
Unsecured Personal Loan (Excellent Credit)
Real Time Rating™
- 3 to 7 years
- Unsecured
- Fixed Rate
- No ongoing fees
Interest rate p.a.
7.24%
up to 9.39%
Comparison rate* p.a.
7.24%
up to 10.31%
Australian Credit Licence 286596
Fees & charges apply
No Fee Personal Loan
Real Time Rating™
- 2024 Award Winner
- Special
- 1 to 7 years
- Unsecured
Interest rate p.a.
6.75%
up to 26.95%
Comparison rate* p.a.
6.75%
up to 26.95%
Australian Credit Licence 411227
Fees & charges apply
Product data updated on 24 Apr 2024