CommBank
Unsecured Fixed Rate Personal Loan
CommBank · pers loans
Provider last updated this product 2026-09-30.
Go to provider
You'll complete your application on
CommBank's website. Confirm the rate and fees with them
before applying.
Take control of your next step with a flexible CommBank Fixed Rate Personal Loan that puts you in charge.
As published by the lender
- Security - Unsecured
- Headline rates - from 7.24% to 22.25%The lender publishes several headline rates; which one applies is the lender's decision.
Lending rates
| Type | Rate | Comparison^ | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| DISCOUNT | 7.24% | 8.29% | OTHER | PRINCIPAL AND INTEREST | - | - | calculated daily, paid monthly |
| 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). | |||||||
| DISCOUNT | 8.74% | 9.77% | OTHER | PRINCIPAL AND INTEREST | - | - | calculated daily, paid monthly |
| 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). | |||||||
| FIXED | 7.25% | 8.30% | OTHER | PRINCIPAL AND INTEREST | 48 months | - | calculated daily, paid monthly |
| 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. | |||||||
| FIXED | 7.25% | 8.30% | OTHER | PRINCIPAL AND INTEREST | 60 months | - | calculated daily, paid monthly |
| 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. | |||||||
| FIXED | 7.25% | 8.30% | OTHER | PRINCIPAL AND INTEREST | 72 months | - | calculated daily, paid monthly |
| 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. | |||||||
| FIXED | 7.25% | 8.30% | OTHER | PRINCIPAL AND INTEREST | 84 months | - | calculated daily, paid monthly |
| 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. | |||||||
| FIXED | 7.25% | 10.48% | OTHER | PRINCIPAL AND INTEREST | 12 months | - | calculated daily, paid monthly |
| 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. | |||||||
| FIXED | 7.25% | 10.48% | OTHER | PRINCIPAL AND INTEREST | 24 months | - | calculated daily, paid monthly |
| 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. | |||||||
| FIXED | 7.25% | 10.48% | OTHER | PRINCIPAL AND INTEREST | 36 months | - | calculated daily, paid monthly |
| 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. | |||||||
| FIXED | 16.25% | 17.18% | OTHER | PRINCIPAL AND INTEREST | 48 months | - | calculated daily, paid monthly |
| 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. | |||||||
| FIXED | 16.25% | 17.18% | OTHER | PRINCIPAL AND INTEREST | 60 months | - | calculated daily, paid monthly |
| 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. | |||||||
| FIXED | 16.25% | 17.18% | OTHER | PRINCIPAL AND INTEREST | 72 months | - | calculated daily, paid monthly |
| 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. | |||||||
| FIXED | 16.25% | 17.18% | OTHER | PRINCIPAL AND INTEREST | 84 months | - | calculated daily, paid monthly |
| 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. | |||||||
| FIXED | 16.25% | 19.25% | OTHER | PRINCIPAL AND INTEREST | 12 months | - | calculated daily, paid monthly |
| 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. | |||||||
| FIXED | 16.25% | 19.25% | OTHER | PRINCIPAL AND INTEREST | 24 months | - | calculated daily, paid monthly |
| 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. | |||||||
| FIXED | 16.25% | 19.25% | OTHER | PRINCIPAL AND INTEREST | 36 months | - | calculated daily, paid monthly |
| 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. | |||||||
| FIXED | 22.25% | 23.12% | OTHER | PRINCIPAL AND INTEREST | 48 months | - | calculated daily, paid monthly |
| 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. | |||||||
| FIXED | 22.25% | 23.12% | OTHER | PRINCIPAL AND INTEREST | 60 months | - | calculated daily, paid monthly |
| 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. | |||||||
| FIXED | 22.25% | 23.12% | OTHER | PRINCIPAL AND INTEREST | 72 months | - | calculated daily, paid monthly |
| 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. | |||||||
| FIXED | 22.25% | 23.12% | OTHER | PRINCIPAL AND INTEREST | 84 months | - | calculated daily, paid monthly |
| 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. | |||||||
| FIXED | 22.25% | 25.11% | OTHER | PRINCIPAL AND INTEREST | 12 months | - | calculated daily, paid monthly |
| 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. | |||||||
| FIXED | 22.25% | 25.11% | OTHER | PRINCIPAL AND INTEREST | 24 months | - | calculated daily, paid monthly |
| 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. | |||||||
| FIXED | 22.25% | 25.11% | OTHER | PRINCIPAL AND INTEREST | 36 months | - | calculated daily, paid monthly |
| 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. | |||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Early repayment adjustment | EXIT | $15 | 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. |
| Establishment Fee | UPFRONT | $0 | Upfront cost payable when accepting a loan. |
| Late payment fee | LATE_PAYMENT | $20 | 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. |
| Loan service fee | PERIODIC | $15 | Monthly charge to cover costs of keeping account active. |
| Settlement cheque fee | OTHER | $15 | Cheques provided to help you pay different recipients with your loan borrowings. |
Rate history
Rate Comparison rate
The figures behind this chart
| From | Until | Rate | Comparison |
|---|---|---|---|
| 2026-07-15 | 2026-08-16 | 7.24% | 8.64% |
| 2026-08-17 | 2026-09-30 (current) | 7.24% | 8.29% |
Published figures as captured daily since 2026-07-15. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
- 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.
Who can apply
- min age - 18
- natural personIndividuals must have the legal capacity to enter into the loan contract. Not available for non-personal borrowers.
- otherIndividuals must be eligible to work in Australia
- otherIndividuals must be employed or receive regular income
- otherIndividuals must have a good credit rating
- otherIndividuals must not be going through the process of bankruptcy
- otherMeet CBA's credit assessment criteria which includes demonstrating the capacity to make the required repayments on the credit facility without substantial hardship.
- otherThe 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.
Limits
- max balance - 50000.00
- min balance - 4000.00
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-09-30T23:33:53.000Z · Product ID: ae29850ddb9b437393b8ea49bffba09e