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Interest rate
Page title
Interest rate
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Sustainability and First Start Loans*
| Term | Interest rate |
|---|---|
| Variable | 5.54% |
| 1 year fixed | 5.47% |
| 3 years fixed | 5.69% |
| 5 years fixed | 5.88% |
*Current interest rates drawn down from 1 March 2026.
^Variable rates are subject to change each month.
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Disaster Assistance Loan and Essential Working Capital Loan
| Eligible disaster | Interest rate | Application closing date |
|---|---|---|
| Queensland Monsoon Trough, Cyclone Koji and Severe Weather, commencing 24 December 2025 | 2.14% | 31 December 2027 |
| Western Queensland Surface Trough and Associated Rainfall and Flooding, 21 March - 19 May 2025 | 2.14% | 31 December 2026 |
| Tropical Cyclone Alfred and Associated Severe Weather, 1 - 16 March 2025 | 2.14% | 31 December 2026 |
| North and Far North Tropical Low, 29 January - 28 February 2025 | 2.14% | 31 December 2026 |
| Southern Summer Rainfall and Flooding, 9 December 2024 - 14 January 2025 | 2.14% | 31 December 2026 |
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South Australia Drought Loans Scheme*
| Term | Interest rate |
|---|---|
| 10-Year Commonwealth Bond Rate | 4.64% |
*Current interest rates drawn down from 27 February 2026.
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