Easy Street Fixed Rate Personal Loan

Talk a walk down Easy Street when you need to borrow between $3,000 and $35,000

Easy Street provides Fixed Rate Personal Loans of amounts in between $3,000 and $35,000, and you don't have to provide any security or deposit to apply. Owing to the loan's fixed interest rate you can be sure that the payments don't change over time. The loan term can vary between one and five years.

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8.99% (fixed)

Interest Rate (p.a.)

9.27%

Comparison Rate (p.a.)

$3,000

Min Loan Amount

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Details

Product NameEasy Street Fixed Rate Personal Loan
Interest Rate (p.a.)8.99% (fixed)
Comparison Rate (p.a.)9.27%
Interest Rate TypeFixed
Min Loan Amount$3,000
Max. Loan Amount$35,000
Loan SecurityUnsecured

How does borrowing from Easy Street work?

Once you submit your application, and if you pass Easy Street's initial checks, you can expect a notification almost immediately, and an Easy Street representative contacts you on the next business day to take you through the rest of the process. After Easy Street reviews and verifies your employment and income details, you may be offered a loan contract.

You have to accept this loan contract in order to move forward, after which Easy Street disburses your approved funds.

Community First Credit Union, Sydney's largest credit union, owns and operates Easy Street, an online financial services provider. Easy Street follows regulations just like other financial institutions, so you can feel secure borrowing from Easy Street.

The features on offer from Easy Street's Fixed Rate Personal Loans

Easy Street Fixed Rate Personal Loans come with a number of features you should know about and here's what you can look forward to.

  • Various loan amounts. With an Easy Street Fixed Rate Personal Loan there's a large variation in terms of the loan amounts on offer. The minimum you can borrow is $3,000, and you can borrow up to $35,000.
  • Variable loan terms. Loan term has a significant impact on repayment size as well as total interest payable, and with loans terms in between 1 to 5 years, you can arrive at a suitable loan term after taking your budget into account.
  • Interest. You'll pay a competitive fixed rate of 8.99% p.a. on this unsecured loan.
  • Additional repayments. This lender allows you to make additional repayments as and when you like, and while this gives you the ability to pay the loan sooner, it also enables you to save money on interest.
  • Free redraws. If you make additional repayments towards your loan, you can access this money at any time through a free online redraw facility.
  • Early payouts. Paying the entire loan ahead of time can lead to savings in the form of interest, and early payouts don't attract any penalties.

What you can expect to pay

You don't have to pay any ongoing monthly or annual account-keeping fees if you get an Easy Street Personal Loan. If you pay the loan before the loan term comes to an end, you don't have to pay any early repayment fees.

You have to pay an application fee of $195 and you might have to pay other fees during the course of the loan – you get a complete list of all applicable fees and charges as part of the loan's contract. Go through the fees and charges as well as other terms and conditions carefully, and accept the offer only if you find it acceptable.

How to apply for a Personal Loan from Easy Street

You can apply for an Easy Street Personal Loan online or over the phone. The following eligibility criteria will need to be met in order to apply:

  • You're over 18 years old
  • You're a permanent Australian resident, an Australian citizen, or in the country on a valid work visa
  • You have a steady source of income
  • You have not defaulted on any credit cards, store cards, loans or interest-free finance agreements in the last five years
  • You are not currently bankrupt

Easy Street, like other loan providers, requires different kinds of information to process your application, so prepare to part with the following.

  • Details of your income from all sources
  • Details of assets like real estate, savings, investments, shares and vehicles
  • Details of liabilities like loans, credit cards, lines of credit and overdrafts
  • Self-employed individuals should provide income figures from your tax returns for the last two years

Getting an Easy Street Fixed Rate Personal Loan can be a good idea owing to its useful features, but given that you can find similar features in other loans, it's best that you take some time to compare a few.

Compare other personal loans

Whilst we don't compare loans from MyCashFinance directly, use the table below to see how they compare against other loans

$

Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Application Fee Monthly Service Fee Monthly Repayment
Symple Loans Personal Loan
From 5.75% (variable)
6.47%
$5,000
1 to 7 years
from 0% to 5% of the loan amount
$10
⭐Special Offer: Earn up to 50,000 Qantas Points with a personal loan from Symple.
Borrow up to $50,000 with interest rate from 5.75% p.a. to 25.99% p.a. and earn 1 Qantas Point for every $1 borrowed.
Plenti Personal Loan
From 5.43% (fixed)
5.43%
$2,001
3 to 7 years
$0 to $999
$0
You'll receive a fixed rate between 5.43% p.a. and 17.89% p.a. based on your risk profile
A flexible loan with amounts from $2,001 and terms starting from 3 years. Interest and comparison rates calculated for a loan term of 5 years.

⭐ Finder Exclusive: Eligible applicants with excellent credit will receive rates starting from 5.43% p.a. (comparison rate 5.43% p.a.). Offer ends 30 June 2021. T&Cs apply.

Citi Personal Loan Plus
8.90% (variable)
9.18%
$5,000
3 to 5 years
$199
$0
You'll receive a guaranteed rate of 8.90% p.a. with a comparison rate of 9.18% p.a. if you're approved. Note: This rate may vary during the loan term.
A credit limit up to $75,000 that you can continue to draw down over terms up to 5 years. Note: Monthly account service fee will be waived for applications submitted before 30 September 2021. The interest rate doesn’t change based on your risk profile, so you know your rate before you apply.
Harmoney Unsecured Personal Loan
From 5.35% (fixed)
6.14%
$2,000
3 to 5 years
$575 ($275 for loans of below $5,000)
$0
You'll receive a fixed rate between 5.35% p.a. and 19.09% p.a. based on your risk profile.
Apply for a loan up to $50,000 and repay your loan over 3 or 5 years terms.
SocietyOne Unsecured Personal Loan
From 5.95% (fixed)
5.95%
$5,000
2 to 5 years
from $0 to $595
$0
You'll receive a fixed rate between 5.95% p.a. and 19.99% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Benefit from no ongoing fees and no early repayment fee.

⭐ Finder Exclusive: Get a $200 cashback if your loan is approved by June 30 2021. T&Cs apply.

Alex Personal Loan
From 5.45% (fixed)
5.45%
$2,100
6 months to 5 years
$0 (Waived $295 establishment fee)
$0
You'll receive a fixed interest rate from 5.45% p.a. to 19.99% p.a. based on your risk profile
Borrow between $2,100 and $30,000 from 6 months to 5 years. Note: The $295 establishment fee will be waived for loan applications submitted by 11 August 2021.
NAB Personal Loan Unsecured Fixed
From 6.99% (fixed)
7.91%
$5,000
1 to 7 years
$150
$10
You'll receive a fixed rate between 6.99% p.a. and 18.99% p.a. ( 7.91% p.a. to 19.83% p.a. comparison rate) based on your risk profile
Borrow from $5,000 to $55,000, with 1 to 7 year loan terms available. This loan comes with no fees for extra repayments and no early exit fees.
NOW Finance No Fee Unsecured Personal Loan
From 5.95% (fixed)
5.95%
$5,000
18 months to 7 years
No Establishment Fee
$0
You'll receive a fixed rate between 5.95% p.a. and 17.95% p.a. based on your risk profile
Borrow from $5,000 to $7,999 with loan terms between 18 months and 3 years or borrow $8,000 to $50,000 with loan terms between 18 months and 7 years.
OurMoneyMarket Personal Loan
From 6.29% (fixed)
6.54%
$2,001
1 to 7 years
1.5–6% of your total loan amount
$0
You'll receive a fixed rate from 6.29% p.a. to 20.99% p.a. based on your risk profile
A personalised loan from $2,001 to $75,000 that varies based on your credit history and financial situation.

⭐Special Offer: If your loan is approved before June 30th, you will get a discounted rate of 5.35% p.a. (comparison rate: 6.31% p.a.) for the first 12 months regardless of your credit score.

ANZ Fixed Rate Personal Loan
8.99% (fixed)
9.88%
$5,000
1 to 7 years
$150
$10
You'll receive a guaranteed rate of 8.99% p.a. with a comparison rate of 9.88% p.a. if you're approved.
Apply for up to $50,000 to use for a variety of purposes without needing to add security. Available to self-employed applicants.

⭐Special Offer: Secure a reduced interest rate of 8.99% p.a. for a limited time only. Apply for up to $50,000 to use for a variety of purposes without needing to add security.

Wisr Personal Loan
From 6.49% (fixed)
6.76%
$5,000
3 to 7 years
$195
$0
You'll receive a fixed rate between 6.49% p.a. and 20.95% p.a. based on your risk profile
A loan from $5,000 that charges no fees for extra or early repayments. Keep in mind security is required in some cases.

⭐Special Offer: Wisr's standard establishment fee $595 will be reduced to $195 for applications submitted through Finder. T&Cs apply.

ANZ Variable Rate Personal Loan
10.50% (variable)
11.38%
$5,000
1 to 7 years
$150
$10
You'll receive a guaranteed rate of 10.50% p.a. with a comparison rate of 11.38% p.a. if you're approved. Note: This rate may vary during the loan term.
A flexible loan with amounts starting $5,000 that offers flexible repayments and a redraw facility.
Heritage Bank Fixed Personal Loan
7.99% (fixed)
8.62%
$5,000
1 to 7 years
$200
$5
Choose a fixed rate loan and receive a comparison rate of 8.62% p.a.
Fixed rate loans are available up to $100,000 on terms from 1 to 7 years.
MoneyMe Personal Loans
From 6.25% (fixed)
7.64%
$2,100
1 to 5 years
from $295 to $495
$10
You'll receive an interest rate between 6.25% p.a. and 19.95% p.a. based on your risk profile
Borrow up to $50,000 with no hidden fees or costs. Application process usually takes 5 minutes to complete and is done fully online.
Plenti Variable Rate Personal Loan
From 5.43% (variable)
5.43%
$2,001
1 to 3 years
$0 to $999
$0
You'll receive a variable rate from 5.43% p.a and 17.89% p.a. based on your risk profile
A flexible loan with amounts from $2,001 and terms starting from 12 months. Benefit from transparent costs and a rate estimate before you apply.

⭐ Finder Exclusive: Eligible applicants with excellent credit will receive rates starting from 5.43% p.a. (comparison rate 5.43% p.a.). Offer ends 30 June 2021. T&Cs apply.

Pepper Money No Fee Personal Loan
From 5.95% (fixed)
5.95%
$5,000
18 months to 7 years
$0
$0
You'll receive a fixed rate between 5.95% p.a. and 17.95% p.a. based on your risk profile
Borrow from $5,000 to $50,000 and use for a range of purposes. Pay no upfront, early repayment or ongoing fees.
NAB Personal Loan Unsecured Variable Rate
From 6.99% (variable)
7.91%
$5,000
1 to 7 years
$150
$10
You'll receive a variable rate between 6.99% p.a. and 18.99% p.a. ( 7.91% p.a. to 19.83% p.a. comparison rate) based on your risk profile
Borrow from $5,000 to $55,000, with 1 to 7 year loan terms available. This loan comes with no fees for extra repayments and no early exit fees.
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Personal Loan Offers

Important Information*
Logo for Harmoney Unsecured Personal Loan
Harmoney Unsecured Personal Loan

You'll receive a fixed rate between 5.35% p.a. and based on your risk profile.
Apply for a loan up to $50,000 and repay your loan over 3 or 5 years terms.

Logo for ANZ Fixed Rate Personal Loan
ANZ Fixed Rate Personal Loan

You'll receive a fixed rate of 8.99% p.a.
Apply for up to $50,000 to use for a variety of purposes without needing to add security. Available to self-employed applicants.

Logo for NAB Personal Loan Unsecured Fixed
NAB Personal Loan Unsecured Fixed

You'll receive a fixed rate between 6.99% p.a. and 18.99% p.a. ( 7.91% p.a. to 19.83% p.a. comparison rate) based on your risk profile
An unsecured loan up to $55,000 you can use for a range of purposes and pay off over up to 7 years. Note: Majority of customers will get the headline rate of 12.69% p.a. (13.56% p.a. comparison rate) or less. See Comparison rate warning in (i) above.

Logo for SocietyOne Unsecured Personal Loan
SocietyOne Unsecured Personal Loan

You'll receive a fixed rate between 6.99% p.a. and 20.49% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Benefit from no ongoing fees and no early repayment fee.

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