Disclaimer: Fixed annual interest rates range from 9.95% to 15.95%. The calculation above is an indicative guide only. The actual interest rate charged to you will depend on your financial circumstances. To understand the rate that will apply to you, please call 0800 500 555. Normal lending criteria, terms, conditions and fees apply including an establishment fee of $246 for AA Members (or $296 for non AA Members) and a PPSR fee of $10.