What makes the IMB fixed rate unsecured personal loan stand out from the pack is its competitive 9.54% interest rate (11.28% comparison rate*) and the option for you to pay out the loan early without penalties.
The IMB fixed rate unsecured loan is available for loans between $2,000 and $30,000. You can choose the loan term depending on how quickly you can repay the loan from 1 - 5 years.
It's convenient to be able to choose when you'll make your repayments with weekly, fortnightly and monthly options. The IMB fixed rate unsecured loan allows extra repayments for free, which is great if you find you have some extra cash to put towards your loan but you won't be able to redraw any extra repayments as there is no redraw facility.
One of the key features of the IMB fixed rate unsecured loan is that it has no ongoing fees. But that's not to say there are no fees whatsoever. You'll have to budget for the standard $250 upfront fee, and if you're late with your repayments you'll be charged a steep $50.
The IMB personal loan is good option for anyone who wants the security of a fixed rate but the flexibility to pay back the loan at anytime.
Be sure to automate your payments or you'll be hit with a $50 late payment fee.
Fixed
9.54% p.a. fixed
11.28% p.a.based on $10,000
over 3 years
$250.00
$0.00
$50.00
$0.00
$0.00
$2,000.00
$30,000.00
1 Year
5 Years
Unsecured
Weekly, Fortnightly, Monthly
yes
no
none
none
WARNING: The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a personal loan. The comparison rates displayed are calculated based on a loan of $30,000 for a term of 5 years or a loan of $10,000 for a term of 3 years as indicated, based on monthly principal and interest repayments, on a secured basis for secured loans and an unsecured basis for unsecured loans. This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
Friendly Staff and a personalised service
Read full reviewFriendly Staff and a personalised service
IMB is one of Australia's largest building society servicing the lower east coast of Australia. IMB's better value banking offers its customers lower cost banking and secure services. IMBs' face-to-face facilities allow them to offer a more personalised service in taking care of the IMB community. IMB offers a range of products including insurance, business banking, term deposits, saving & transaction accounts and home & personal loans.
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