The Heritage Bank Unsecured Fixed Personal Loan offers rates from 8.99% p.a. (9.35% p.a. comparison rate*). on loans of $5,000 to $25,000.
Updated 23 June 2025
* See details below
The Heritage Bank Unsecured Fixed Personal Loan provides a dependable financing option. It features a fixed interest rate of 8.99% p.a. (9.35% p.a. comparison rate). Borrowers can access between $5,000 and $25,000. Loan terms are flexible, ranging from 1 to 7 years. An establishment fee of $250 applies at the start. There are no ongoing monthly fees. This ensures repayments remain simple and manageable throughout the loan period.
This loan is great for individuals looking to consolidate existing debts, fund home renovations, or finance travel plans. It offers the benefit of fixed repayment amounts, making budgeting easier. You can also redraw any extra repayments you have made. Additionally, there are no penalties for repaying the loan early. This gives you greater control over your borrowing and repayment strategy.
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$0 annual fee
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No early repayment fee
Other fees may apply.
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Fixed rate of 8.99% p.a.
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From $5,000 to $25,000
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1, 2, 3, 4, 5, 6 or 7 years
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Unsecured loan
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Redraw extra repayments that you have made
Before applying for this product, you should read the Target Market Determination (TMD) available here on the Heritage Bank website.