Easy Street fixed-rate personal loan Australia 8.99% p.a., from $3,000 to $35,000, predictable repayments and no monthly fees

What the Easy Street fixed rate personal loan offers

The Easy Street fixed rate personal loan is a straightforward borrowing option for Australians who want certainty in their monthly budget. With a fixed interest rate of 8.99% p.a. and loan amounts from $3,000 to $35,000, this product is built for predictable repayments and everyday needs like debt consolidation, car repairs or home improvements.

This Easy Street fixed rate personal loan is unsecured, available for terms between one and five years, and designed to give borrowers clear repayment schedules. For many Aussies seeking stability, locking in 8.99% p.a. helps avoid surprises from market rate changes.

Costs, fees and repayment flexibility

One of the strong points of the Easy Street fixed rate personal loan is the absence of monthly fees and redraw charges, making the ongoing cost of borrowing easier to manage. There is an upfront application fee of $249, but you can make extra repayments with no penalty, which can reduce total interest paid over the loan term.

Fixed repayments at 8.99% p.a. mean you know exactly what you’ll pay each fortnight or month, aiding household budgeting. Compare total repayments over the term when shopping around, but for borrowers prioritising certainty, the Easy Street fixed rate personal loan remains competitive.

How to apply and eligibility in Australia

Applying for the Easy Street fixed rate personal loan is mostly online and fairly quick if you have ID, proof of income and recent bank statements ready. Lenders will check your serviceability and credit history, so make sure you declare existing debts and show consistent income to boost approval chances.

Australians on regular PAYG income or with reliable self-employed documentation can apply, and the unsecured nature means you don’t need collateral. If you’re on Centrelink payments, check Easy Street’s current lending criteria or contact them directly to see if you meet eligibility before applying.

Who benefits and final considerations

The Easy Street fixed rate personal loan suits borrowers who value predictability and want to avoid monthly account-keeping fees. Its fixed 8.99% p.a. and flexibility to make extra repayments without penalties makes it ideal for consolidating high-interest credit card debt or funding a planned expense while keeping cashflow steady.

Before committing, weigh the $249 application fee against long-term savings from lower interest and no monthly fees. Shop around to compare similar fixed rate offers, but if you prioritise stable repayments and no ongoing monthly charges, the Easy Street fixed rate personal loan is a strong, transparent option for many Australians.