Secured Fixed Rate Personal Loan
Alex gets you a secured personal loan with personalised interest rates based on your credit history and doesn't penalise you for making additional repayments or paying your loan out earlier.
Category: Personal Loans Last Updated September 10, 2024 Effective December 22, 2025
General Lending Rates
Rates listed below are for a FIXED P&I product. Additional Information Alex Bank secured personal loans (car) are available for a minimum of 1 year to a maximum of 7 years. Interest rates for a term up to 5 years range from 11.74% p.a. for borrowers with an outstanding credit rating and financial position, to a maximum Annual Percentage Rate (APR) 21.74% p.a. (comparison rate* 12.17% p.a. to 22.22% p.a.). Where the loan term is higher than 5 years a higher rate applies.
Interest Rate
11.74% PA
11.74% PA
Comparison Rate
12.17%PA*
12.17%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will vary based on the LVR and other conditions..
Product Features
- Other Additional Information: No monthly or annual account keeping fees
- Other Additional Information: You can make extra repayments or payout the loan in full early without any penalty
- Other Additional Information: Pay weekly, fortnightly or monthly via direct debit
Product Eligibility
- Natural Person - Individuals Must Have The Legal Capacity To Enter Into The Loan Contract. Not Available For Joint Borrowers Or Non-individual Borrowers..
- Residency Status - Individuals Must Be An Australian Citizen Or Permanent Resident.
- Min Age - 18.
Bank Fees and Charges
- Establishment Fee (Upfront), Amount: 295.00.
- Late Payment Fee (Event), Amount: 0.00.
- Early Repayment Fee (Event), Amount: 0.00. Additional Information: Flexibility to make extra repayments or payout loan in full without penalty
Limitations & Restrictions (Constraints)
- Min Limit of 10000.00
- Max Limit of 100000.00
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