All Optus Bank loans offer a fixed rate, but individual rates are determined based on each person's education, credentials, work experience, and credit history. 

Our APR ranges from:

See Website - 17.99%  for 3 & 5-year loans;

The interest rate is only one factor of the cost of the loan. The total cost can be understood by the APR which is the annual cost of a loan inclusive of the interest rate and all other associated fees. When comparing loan products, it is important to consider the APR of each product.