HomePersonal LoansHeritage BankUnsecured Fixed Personal Loan

Heritage Bank Unsecured Fixed Personal Loan

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 10 July 2025


Fact checked and verified. Updated 10 July 2025
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Expert Review

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.

Product Details
Fees

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$250 establishment fee

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$0 annual fee

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No early repayment fee

Other fees may apply.

Rates

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Fixed rate of 8.99% p.a.

Loan Amount

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From $5,000 to $25,000

Loan Terms

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1, 2, 3, 4, 5, 6 or 7 years

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Unsecured loan

Features

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Redraw extra repayments that you have made

TMD

Before applying for this product, you should read the Target Market Determination (TMD) available here on the Heritage Bank website.

More information
The comparison rates on this page are based on either a $30,000 loan over 5 years, or a $10,000 loan 3 years, as indicated with each rate. WARNING: This comparison rate applies only to the example given and may not include all fees and charges. Different terms, fees or loan amounts might result in different comparison rates.
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