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

A Personal Loan can be a great way to help you achieve your goals faster. Whether you’re funding some renovations, upgrading furniture or white goods, having to make some emergency repairs or wanting to consolidate multiple expensive debts into one simple repayment, Gateway’s range of personal loans could help you manage a large or unexpected expense.


A Gateway Bank Fixed Rate Personal Loan provides peace of mind and surety of knowing your repayments will not change over the life of the loan. This can be a great help when budgeting and planning your finances, reducing the stress that uncertainty about interest rate changes can cause. Gateway’s Fixed Personal Loan is different from many other loans in the market, as you can make unlimited additional repayments with no penalty, enabling you to pay off the loan faster and reduce the interest you pay over the life of the loan.


We understand that life can be a bit unexpected, so lock in a Fixed Rate Personal Loan to help you achieve your goals with a little more certainty.


Apply for a Gateway Bank Fixed Rate Personal Loan online, with our simple and easy application saving you time and frustration. To speed up your application, make sure you have the following:

  • Your living expense figures
  • Details of your assets, income and liabilities
  • Statements for the last 3 months for your assets & liabilities
  • Your last payslip or evidence of income statement
Up to 50% Debt Consolidation 12.34 % p.a. Interest rate 13.39 % 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.

Rates advertised apply to principal and interest repayment types only. Gateway reserves the right to vary these interest rates at any time. Interest rates quoted are for new lending only. Existing borrowers should contact Gateway to discuss their requirements. 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.