--- title: "Fixed Rate All Purpose Personal Loan — Teachers Mutual Bank" description: "Personal Loans from Teachers Mutual Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/teachers-mutual-bank/products/338a91ac-72cd-427e-9357-5472a747ea04 source: "CDR Compare" language: en-AU last_updated: 2026-07-23T13:41:03.000+10:00 --- # Fixed Rate All Purpose Personal Loan — Teachers Mutual Bank > Personal Loans from Teachers Mutual Bank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Personal Loans** Our Fixed Rate All Purpose Personal Loan allows you to lock in your interest rate and repayments for a fixed period. ## At a glance - **From:** 6.99% (7.2% comparison) ## Apply Applications are handled by the provider: [Apply at Teachers Mutual Bank](https://www.tmbank.com.au/personal-loans/debt-consolidation) ## Interest rates | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Fixed · 2 years (Fixed 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: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate.) | 6.99% | 7.2% | — | | Fixed · 3 years (Fixed 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: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate.) | 6.99% | 7.2% | — | | Fixed · 4 years (Fixed 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: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate.) | 6.99% | 7.2% | — | | Fixed · 5 years (Fixed 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: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate.) | 6.99% | 7.2% | — | | Fixed · 6 years (Fixed 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: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate.) | 6.99% | 7.2% | — | ## Fees | Fee | Type | Amount | | --- | --- | --- | | APPLICATION_FEE — This fee is applicable when the loan is funded. · Discount −$150.00 — Personal Loan Application Fee Waiver (eligibility: Other: If you hold a Your Way Plus home loan package we waive the application fees for any personal loans.) | Upfront | $150.00 | | BREAK_FEE — 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 clause 3B of the Consumer Lending terms and conditions for details of how this fee is calculated. At Cost. | Exit | $0.00 – $9,999,999.00 | ## Features - **No ongoing fees** - **Choose weekly, fortnightly or monthly repayments** - **A competitive fixed interest rate** - **Debt consolidation** - **Digital banking** (24/7 access via internet banking, mobile app and phone banking) ## Eligibility - **You must be a member. Membership is open to current or retired employees of the Australian education sector or family members of members (i.e. shareholders) of the Bank.** - **Residency status** — Individuals must be citizens or permanent residents of Australia. - **Individuals only** - **Minimum age** — 18 years - **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.** ## Constraints - **Minimum limit** — $4,000.00 (Minimum loan amount is $4,000) - **Maximum limit** — $80,000.00 (Maximum loan amount is $80,000. Debt consolidation is $50,000 maximum. For information on debt consolidation visit ASIC's website.) ## More information from Teachers Mutual Bank - [Overview](https://www.tmbank.com.au/personal-loans/debt-consolidation) - [Terms & conditions](https://www.tmbank.com.au/content/dam/documents/collateral/consumer-lending.pdf) - [Eligibility](https://www.tmbank.com.au/personal-loans/debt-consolidation) - [Fees & pricing](https://www.tmbank.com.au/content/dam/documents/collateral/fees-and-charges.pdf) ## Data provenance - Published by Teachers Mutual Bank under the Consumer Data Right - Product ID: `338a91ac-72cd-427e-9357-5472a747ea04` - Last updated by the provider: 23 July 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/teachers-mutual-bank/338a91ac-72cd-427e-9357-5472a747ea04 - Provider page: https://www.cdrcompare.au/brands/teachers-mutual-bank - CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000078 --- Source: [CDR Compare](https://www.cdrcompare.au/brands/teachers-mutual-bank/products/338a91ac-72cd-427e-9357-5472a747ea04) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider. Site map: [all providers](https://www.cdrcompare.au/) · [how this works](https://www.cdrcompare.au/about) · [agent guide](https://www.cdrcompare.au/agents.md) · [llms.txt](https://www.cdrcompare.au/llms.txt) · [sitemap.xml](https://www.cdrcompare.au/sitemap.xml)