We all need a bit of help sometimes, whether you need emergency renovations, or you are taking control of your finances and consolidating your debt.

A Gateway Bank Fixed Rate Personal Loan means you know exactly what you’re going to pay for the life of your loan.

Apply for a fixed rate personal loan and you may be eligible to borrow between $3,000 and $30,000, for personal reasons. With no monthly fees and no penalties for redraw, it’s never made more sense to get your finances out of hot water.

Life can be a bit unexpected, so lock in a Fixed Rate Personal Loan to give your cash flow more certainty.


  • $3,000 minimum loan amount
  • 5 year maximum loan term
  • Make additional payments without penalty
  • Free redraw
  • No ongoing fees
Up to 50% Debt Consolidation 10.59 % p.a. Interest rate 11.63 % p.a. Comparison rate

Product Features:

Car & Personal Loans
Fixed Interest Rate Term (Years) : To match loan term
Establishment Fee : $149
Annual Fee : $0
Minimum Amount : $3,000
Maximum Amount : $30,000
Maximum Term (Years) : 5
Redraw Facility : Yes
Additional Repayments Accepted : Yes
Additional Repayments Fee : $0
Periodic Payments : Yes
ATM/EFTPOS Access : No
Branch Access : Yes

Can’t decide which Personal Loan is right for you?

Use our comparison tool to help find the best option for you.

How much will my repayments be?

Rates advertised apply to principal and interest repayment types only. Gateway reserves the right to vary these interest rates at any time. Applications for finance are subject to our standard credit assessment criteria. Full terms and conditions are included in the loan offer. Fees and charges apply.

1 Comparison rate is calculated based on an unsecured personal loan amount of $10,000 over a 3 year term. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

2 Minimum redraw amount is $250.

3 Fixed rates revert to the corresponding product's variable base rate upon expiry of fixed rate term.