Fixed Rate Loan

Stay in control with fixed interest rate and fixed repayments for the life of the loan.

May repay up to $1,000 in extra repayments per year without a fee

Borrow from $3,000.

Prepare for your application

Do you need funds?

  • If you have stable employment and a clean credit file, then there’s a good chance your personal loan application will be look at by a main bank.
  • You can use a personal loan for any worthwhile purpose such as buying a car, going on vacation or consolidating other debts.
What could we do for you?

Financial Circle Home Loans can aid you in obtaining a personal loan from

  • a main stream lender (such as a bank)
  • private funding

*We have affiliations to private funding for those who may not pass through the banks due to a damaged credit rating.

How could we help you?

There are two forms of personal loans which are Secured Personal Loans and Unsecured Personal Loans.

Banks can be very choosy when it comes to authorising you for an unsecured personal loan because these sorts of loans create an uncertainty in the event that the borrower (you) is unable to generate payments towards the loan due to the lack of security against the loan.

About the interest rates?

The interest rate can depend on what your credit rating looks like.

Secured LoansUnsecured Loans
from 12.99%^ to 28.99%^ p.a.from 13.99%^ to 29.99%^
14.20%* to 30.13%* p.a. comparison rate15.20%* to 31.13%* p.a. comparison rate
Need more details about our solutions?
Please call us 1300 835 288
Apply now
About the loan
Loan amounts from
Loan terms from
2 - 7 years
Repayment methods*
Weekly, fortnightly or monthly
Types of loans
Secured and unsecured loans
*Choose the day of the week your repayments are deducted & Extra repayments accepted.
Our requirements
18 years or over
Resident Status
A permanent Australian resident
A good credit history
From last 5 years
Bankruptcy history
Be free for the last 7 years
Our fees & charges
Establishment Fee
  • $140 for loans under $4,000
  • $250 for loans over $4,000
Loan Service Fee
$13 per month
Australia Post payment handling fee
BPAY® payment handling fee
Late payment fee
$35 in the event that you can't make the minimum repayment by your agreed due date
Early Termination Fee
  • $150 within the first half of your loan term
  • $75 within the second half of your loan term
  • $0 during the last 6 months of your loan term