--- title: "Unsecured Fixed Rate Personal Loan — CommBank" description: "Personal Loans from CommBank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/commbank/products/ae29850ddb9b437393b8ea49bffba09e source: "CDR Compare" language: en-AU last_updated: 2026-08-12T22:34:29.000Z --- # Unsecured Fixed Rate Personal Loan — CommBank > Personal Loans from CommBank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Personal Loans** Take control of your next step with a flexible CommBank Fixed Rate Personal Loan that puts you in charge. ## At a glance - **From:** 7.25% (8.3% comparison) ## Apply Applications are handled by the provider: [Apply at CommBank](https://www.commbank.com.au/personal-loans/fixed-rate-loan.html) ## Interest rates | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Discount (To qualify for the energy-efficient discount, you must use your personal loan to buy or install eligible products. Your interest rate will be based on a number of factors, including the information you provide and our assessment of your application. We'll confirm your actual interest rate in your loan offer document. Comparison rate: 8.29% p.a. to 9.77% p.a. based on an unsecured loan of $30,000, over a term of 5 years. Warning: Comparison rates are true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Customers with an eligible CommBank home loan or investment loan (excluding the Viridian Line of Credit limits and the Equity Unlock for Seniors loan), who take out an Unsecured Fixed Rate Loan for eligible energy-efficient purchases (excluding EV and plug-in hybrid cars) will receive an interest rate of 4.24% p.a. (comparison rate 4.24% p.a.), save $250 on the establishment fee, save $15 a month on the loan service fee and have their Early Repayment Adjustment fee waived (comparison rate calculations are inclusive of this offer).) | 7.24% | 8.29% | — | | Fixed · 4 years (Minimum rate 7.25%, 4 year loan term. Your interest rate will be based on a number of factors, including the information you provide and our assessment of your application. Interest rates at the lower end of our range may be offered to customers with an excellent credit history. We'll confirm your actual interest rate in your loan offer document. Comparison Rate (minimum rate): 8.30% p.a. based on an unsecured $30,000 loan over 5 years. Warning: This comparison rate applies only to the example or 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.) | 7.25% | 8.3% | — | | Fixed · 5 years (Minimum rate 7.25%, 5 year loan term. Your interest rate will be based on a number of factors, including the information you provide and our assessment of your application. Interest rates at the lower end of our range may be offered to customers with an excellent credit history. We'll confirm your actual interest rate in your loan offer document. Comparison Rate (minimum rate): 8.30% p.a. based on an unsecured $30,000 loan over 5 years. Warning: This comparison rate applies only to the example or 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.) | 7.25% | 8.3% | — | | Fixed · 6 years (Minimum rate 7.25%, 6 year loan term. Your interest rate will be based on a number of factors, including the information you provide and our assessment of your application. Interest rates at the lower end of our range may be offered to customers with an excellent credit history. We'll confirm your actual interest rate in your loan offer document. Comparison Rate (minimum rate): 8.30% p.a. based on an unsecured $30,000 loan over 5 years. Warning: This comparison rate applies only to the example or 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.) | 7.25% | 8.3% | — | | Fixed · 7 years (Minimum rate 7.25%, 7 year loan term. Your interest rate will be based on a number of factors, including the information you provide and our assessment of your application. Interest rates at the lower end of our range may be offered to customers with an excellent credit history. We'll confirm your actual interest rate in your loan offer document. Comparison Rate (minimum rate): 8.30% p.a. based on an unsecured $30,000 loan over 5 years. Warning: This comparison rate applies only to the example or 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.) | 7.25% | 8.3% | — | | Fixed · 1 year (Minimum rate 7.25%, 1 year loan term. Your interest rate will be based on a number of factors, including the information you provide and our assessment of your application. Interest rates at the lower end of our range may be offered to customers with an excellent credit history. We'll confirm your actual interest rate in your loan offer document. Comparison Rate (minimum rate): 10.48% p.a. based on an unsecured $10,000 loan over 3 years. Warning: This comparison rate applies only to the example or 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.) | 7.25% | 10.48% | — | | Fixed · 2 years (Minimum rate 7.25%, 2 year loan term. Your interest rate will be based on a number of factors, including the information you provide and our assessment of your application. Interest rates at the lower end of our range may be offered to customers with an excellent credit history. We'll confirm your actual interest rate in your loan offer document. Comparison Rate (minimum rate): 10.48% p.a. based on an unsecured $10,000 loan over 3 years. Warning: This comparison rate applies only to the example or 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.) | 7.25% | 10.48% | — | | Fixed · 3 years (Minimum rate 7.25%, 3 year loan term. Your interest rate will be based on a number of factors, including the information you provide and our assessment of your application. Interest rates at the lower end of our range may be offered to customers with an excellent credit history. We'll confirm your actual interest rate in your loan offer document. Comparison Rate (minimum rate): 10.48% p.a. based on an unsecured $10,000 loan over 3 years. Warning: This comparison rate applies only to the example or 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.) | 7.25% | 10.48% | — | | Discount (To qualify for the energy-efficient discount, you must use your personal loan to buy or install eligible products. Your interest rate will be based on a number of factors, including the information you provide and our assessment of your application. We'll confirm your actual interest rate in your loan offer document. Comparison rate: 8.29% p.a. to 9.77% p.a. based on an unsecured loan of $30,000, over a term of 5 years. Warning: Comparison rates are true only for examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Customers with an eligible CommBank home loan or investment loan (excluding the Viridian Line of Credit limits and the Equity Unlock for Seniors loan), who take out an Unsecured Fixed Rate Loan for eligible energy-efficient purchases (excluding EV and plug-in hybrid cars) will receive an interest rate of 4.24% p.a. (comparison rate 4.24% p.a.), save $250 on the establishment fee, save $15 a month on the loan service fee and have their Early Repayment Adjustment fee waived (comparison rate calculations are inclusive of this offer).) | 8.74% | 9.77% | — | | Fixed · 4 years (Representative rate 16.25%, 4 year loan term. At least half of our approved customers will receive the representative rate, or lower. It may not be the actual rate you receive. Your interest rate will be based on a number of factors, including the information you provide and our assessment of your application. We'll confirm your actual interest rate in your loan offer document. Comparison Rate (representative rate): 17.18% p.a. based on an unsecured $30,000 loan over 5 years. Warning: This comparison rate applies only to the example or 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.) | 16.25% | 17.18% | — | | Fixed · 5 years (Representative rate 16.25%, 5 year loan term. At least half of our approved customers will receive the representative rate, or lower. It may not be the actual rate you receive. Your interest rate will be based on a number of factors, including the information you provide and our assessment of your application. We'll confirm your actual interest rate in your loan offer document. Comparison Rate (representative rate): 17.18% p.a. based on an unsecured $30,000 loan over 5 years. Warning: This comparison rate applies only to the example or 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.) | 16.25% | 17.18% | — | | Fixed · 6 years (Representative rate 16.25%, 6 year loan term. At least half of our approved customers will receive the representative rate, or lower. It may not be the actual rate you receive. Your interest rate will be based on a number of factors, including the information you provide and our assessment of your application. We'll confirm your actual interest rate in your loan offer document. Comparison Rate (representative rate): 17.18% p.a. based on an unsecured $30,000 loan over 5 years. Warning: This comparison rate applies only to the example or 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.) | 16.25% | 17.18% | — | | Fixed · 7 years (Representative rate 16.25%, 7 year loan term. At least half of our approved customers will receive the representative rate, or lower. It may not be the actual rate you receive. Your interest rate will be based on a number of factors, including the information you provide and our assessment of your application. We'll confirm your actual interest rate in your loan offer document. Comparison Rate (representative rate): 17.18% p.a. based on an unsecured $30,000 loan over 5 years. Warning: This comparison rate applies only to the example or 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.) | 16.25% | 17.18% | — | | Fixed · 1 year (Representative rate 16.25%, 1 year loan term. At least half of our approved customers will receive the representative rate, or lower. It may not be the actual rate you receive. Your interest rate will be based on a number of factors, including the information you provide and our assessment of your application. We'll confirm your actual interest rate in your loan offer document. Comparison Rate (representative rate): 19.25% p.a. based on an unsecured $10,000 loan over 3 years. Warning: This comparison rate applies only to the example or 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.) | 16.25% | 19.25% | — | | Fixed · 2 years (Representative rate 16.25%, 2 year loan term. At least half of our approved customers will receive the representative rate, or lower. It may not be the actual rate you receive. Your interest rate will be based on a number of factors, including the information you provide and our assessment of your application. We'll confirm your actual interest rate in your loan offer document. Comparison Rate (representative rate): 19.25% p.a. based on an unsecured $10,000 loan over 3 years. Warning: This comparison rate applies only to the example or 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.) | 16.25% | 19.25% | — | | Fixed · 3 years (Representative rate 16.25%, 3 year loan term. At least half of our approved customers will receive the representative rate, or lower. It may not be the actual rate you receive. Your interest rate will be based on a number of factors, including the information you provide and our assessment of your application. We'll confirm your actual interest rate in your loan offer document. Comparison Rate (representative rate): 19.25% p.a. based on an unsecured $10,000 loan over 3 years. Warning: This comparison rate applies only to the example or 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.) | 16.25% | 19.25% | — | | Fixed · 4 years (Maximum rate 22.25%, 4 year loan term. Your interest rate will be based on a number of factors, including the information you provide and our assessment of your application. We'll confirm your actual interest rate in your loan offer document. Comparison Rate (maximum rate): 23.12% p.a. based on an unsecured $30,000 loan over 5 years. Warning: This comparison rate applies only to the example or 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.) | 22.25% | 23.12% | — | | Fixed · 5 years (Maximum rate 22.25%, 5 year loan term. Your interest rate will be based on a number of factors, including the information you provide and our assessment of your application. We'll confirm your actual interest rate in your loan offer document. Comparison Rate (maximum rate): 23.12% p.a. based on an unsecured $30,000 loan over 5 years. Warning: This comparison rate applies only to the example or 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.) | 22.25% | 23.12% | — | | Fixed · 6 years (Maximum rate 22.25%, 6 year loan term. Your interest rate will be based on a number of factors, including the information you provide and our assessment of your application. We'll confirm your actual interest rate in your loan offer document. Comparison Rate (maximum rate): 23.12% p.a. based on an unsecured $30,000 loan over 5 years. Warning: This comparison rate applies only to the example or 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.) | 22.25% | 23.12% | — | | Fixed · 7 years (Maximum rate 22.25%, 7 year loan term. Your interest rate will be based on a number of factors, including the information you provide and our assessment of your application. We'll confirm your actual interest rate in your loan offer document. Comparison Rate (maximum rate): 23.12% p.a. based on an unsecured $30,000 loan over 5 years. Warning: This comparison rate applies only to the example or 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.) | 22.25% | 23.12% | — | | Fixed · 1 year (Maximum rate 22.25%, 1 year loan term. Your interest rate will be based on a number of factors, including the information you provide and our assessment of your application. We'll confirm your actual interest rate in your loan offer document. Comparison Rate (maximum rate): 25.11% p.a. based on an unsecured $10,000 loan over 3 years. Warning: This comparison rate applies only to the example or 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.) | 22.25% | 25.11% | — | | Fixed · 2 years (Maximum rate 22.25%, 2 year loan term. Your interest rate will be based on a number of factors, including the information you provide and our assessment of your application. We'll confirm your actual interest rate in your loan offer document. Comparison Rate (maximum rate): 25.11% p.a. based on an unsecured $10,000 loan over 3 years. Warning: This comparison rate applies only to the example or 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.) | 22.25% | 25.11% | — | | Fixed · 3 years (Maximum rate 22.25%, 3 year loan term. Your interest rate will be based on a number of factors, including the information you provide and our assessment of your application. We'll confirm your actual interest rate in your loan offer document. Comparison Rate (maximum rate): 25.11% p.a. based on an unsecured $10,000 loan over 3 years. Warning: This comparison rate applies only to the example or 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.) | 22.25% | 25.11% | — | ## Fees | Fee | Type | Amount | | --- | --- | --- | | Early repayment adjustment — To cover reasonable administrative costs and estimated losses incurred by CBA as a result of you closing your fixed term loan early. This fee will not exceed the reasonable administrative costs and estimated losses arising from the early full repayment of your personal loan. | Exit | $15.00 | | Establishment Fee — Upfront cost payable when accepting a loan. | Upfront | $0.00 | | Late payment fee — Applies for 1 month · May be payable on the fifth business day after the repayment due date if at the end of the previous business day your loan is in arrears. | Late payment | $20.00 | | Loan service fee — Charged monthly · Monthly charge to cover costs of keeping account active. | Ongoing | $15.00 | | Settlement cheque fee — Cheques provided to help you pay different recipients with your loan borrowings. | Other | $15.00 | ## Features - **Digital banking** (Wherever you are in the world, CommBank gives you the choice and control to securely manage all of your accounts on a range of devices, the way you want.) - **Extra repayments** (You can make additional repayments, subject to an early repayment adjustment. Additional repayments made on a Fixed Rate Loan are not available to be redrawn. We may charge an early repayment adjustment if loan is fully repaid with 12 or more months remaining on loan term, and we reasonably estimate we will incur a loss or administrative cost.) - **1 to 7 years.** - **Interest is fixed so you know what your repayments will be for the life of the loan.** - **Pay weekly, fortnightly or monthly via direct debit. If you pay by any other means, your repayments will be monthly.** - **Security is not required for this loan type.** - **You may be eligible for same day funding if you're approved, accept your contract and complete verification by 4pm Monday to Friday (Sydney/Melbourne time). Subject to credit checks and assessment of your financial situation. Unavailable 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.** ## Eligibility - **Minimum age** — 18 years - **Individuals only** (Individuals must have the legal capacity to enter into the loan contract. Not available for non-personal borrowers.) - **Individuals must be eligible to work in Australia** - **Individuals must be employed or receive regular income** - **Individuals must have a good credit rating** - **Individuals must not be going through the process of bankruptcy** - **Meet CBA's credit assessment criteria which includes demonstrating the capacity to make the required repayments on the credit facility without substantial hardship.** - **The maximum number of borrowers eligible to apply per application is one.** - **Residency status** — Must live in Australia and be either: an Australian citizen, an Australian permanent resident (permanent visa sub class holder), a New Zealand citizen, or eligible non-resident visa holder. ## Constraints - **Maximum balance** — $50,000.00 - **Minimum balance** — $4,000.00 ## More information from CommBank - [Overview](https://www.commbank.com.au/personal-loans/fixed-rate-loan.html) - [Terms & conditions](https://www.commbank.com.au/content/dam/commbank/personal/apply-online/download-printed-forms/ADB2911.pdf) - [Eligibility](https://www.commbank.com.au/important-info/target-market-determinations.html) - [Fees & pricing](https://www.commbank.com.au/personal-loans/fixed-rate-loan/rates-and-fees.html) ## Data provenance - Published by CommBank under the Consumer Data Right - Product ID: `ae29850ddb9b437393b8ea49bffba09e` - Last updated by the provider: 12 August 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/commbank/ae29850ddb9b437393b8ea49bffba09e - Provider page: https://www.cdrcompare.au/brands/commbank - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000008 --- Source: [CDR Compare](https://www.cdrcompare.au/brands/commbank/products/ae29850ddb9b437393b8ea49bffba09e) — product data published by Australian data holders under the Consumer Data Right. 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