Start with comparison rate
Use the comparison rate to get a more realistic first view of total cost than the interest rate alone.
Australian personal loan comparison
Compare Personal Loans in Australia
Compare selected personal loan options in Australia by interest rate, comparison rate, fees and repayments. Start with a focused shortlist based on your amount, term and loan type, then widen out only when you need to. Use the calculator to test repayments and total cost before you decide whether to enquire.
- Compare interest rate, comparison rate, fees and repayments on one page.
- Estimate monthly and total cost before you decide whether to enquire.
- Browse selected options without submitting a formal application or triggering a credit enquiry.
Important: this is a selected comparison panel, not the whole market. Rates, fees and availability can vary by borrower, product and lender criteria. Browsing this page does not submit an application or trigger a credit enquiry.
57 researched lender rows
Compare rates, comparison rates and repayments
Calculator, guides and shortlist tools
Selected panel, not whole market
Market view
Compare personal loan options
Use the filters to compare selected personal loan options by amount, term, type and purpose. Start with a focused shortlist, then open the wider matching list when you want broader coverage.
Updated 26 March 2026 • Rates checked 23 March 2026 • Full list available
Methodology
Compare cost first, then widen out only when you need to.
Use one amount and one term across the shortlist first, then open the full list when you want to compare more names on the same basis.
Showing top matches for the current scenario.
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Top matches
These are the strongest matches for your current filters. Compare the shortlist first, then broaden the panel only if you need to.
Need a more specific path? Use the broad comparison here, or move to a loan-type page if your purpose or structure is already clear.
Low interest personal loans · Unsecured personal loans · Secured personal loans · Debt consolidation loans · Estimate repayments
Open the full matching list
Every option that matches your current filters stays available here, including specialist, marketplace and special-case rows with clear badges.
Full matching list: the same filters, amount and term are used across every lender shown here so you can compare more options on the same basis.
Full list
Scroll right to compare the full table
| Lender | Product | Interest rate | Comparison rate | Est. repayment | Tags | Notes | Action |
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How to use this list: start with comparison rate, interest rate, fees, term and repayment together, not just one number in isolation.
About fees: fees are not included in this broad estimate because fee data was not standardised across every lender. Use the calculator below and read Personal Loan Fees Explained if you want to add known fees and compare total cost more carefully.
Next step: shortlist a few options, compare repayments, then move to the calculator, the comparison rate guide or the loan-type pages if your decision is still narrowing down.
How to compare
How to compare personal loans in Australia
Compare cost first, flexibility second and fit third. The strongest personal loan choice is usually the one that balances comparison rate, fees, repayments, term and loan purpose — not just the lowest advertised rate.
Check fees next
Application, monthly, late and exit-related fees can change the true cost of a loan more than a headline rate suggests.
Look at repayments and term together
A longer term can lower the monthly repayment but increase the total interest and total repaid over time.
Check flexibility
Extra repayments, redraw and early payout rules matter when you want to reduce interest faster or keep more control.
Match the loan to your purpose
Debt consolidation, general borrowing, renovation and green-purpose use cases can change which loan path may suit you better.
Compare a shortlist, not just one lender
Use the shortlist and full-list tools to compare a few options on the same amount and term before you enquire.
Why the lowest advertised rate is not always the rate you’ll get
Advertised “from” rates can be useful for an initial scan, but they are not guaranteed for every borrower. Your actual rate can depend on your credit profile, income, expenses, amount, term and whether the loan is secured.
- Compare comparison rate, not just interest rate.
- Check fees and repayment flexibility before you decide.
- If your main goal is price, review low interest personal loans as a dedicated path.
Loan structure
Secured vs unsecured personal loans
Use the broader comparison page when you want the widest starting view. Use the secured or unsecured pages when the structure itself is the key decision.
Unsecured personal loans
An unsecured personal loan does not rely on a specific asset as security, but the rate may be higher because the lender is taking more risk.
- Often used for general personal borrowing
- No nominated asset as security
- Usually the cleaner starting point for broad comparison
Secured personal loans
A secured personal loan may offer a lower starting rate, but it can involve tighter criteria and asset-related risk if repayments are not maintained.
- May reduce the headline rate in some cases
- Asset or security rules can be stricter
- Not automatically the best fit just because the rate looks lower
Not sure which structure may suit you? Read the secured vs unsecured guide.
Purpose-led paths
Which personal loan type may suit your purpose?
Use a more specific page when your purpose or structure is already clear. That keeps the homepage broad without forcing every visitor down the same path.
One repayment instead of several
Useful when you want to compare whether a personal loan could simplify existing debts.
- Focus on total cost, not just lower monthly repayments
- Check whether the old debts will actually be cleared
- Keep the debt-consolidation intent on its own page
Price-focused comparison
Use this path when your main question is how to compare lower-rate or lower-cost personal loan options.
- Look at comparison rate and fees together
- Remember the cheapest advertised rate may not be your rate
- Good fit for low-rate / cheap-intent users
Mainstream unsecured borrowing
Best when you want broad personal-use options without starting in a narrower specialist path.
- Often the cleanest first pass for general borrowing
- Lets you compare rates, fees and repayments on one basis
- Can still hand off to more specific pages later
Purpose can change the shortlist
Some renovation or green-purpose options may sit outside a plain all-purpose comparison, so use the filters and calculator together.
- Check whether a purpose-led product appears in the shortlist
- Good fit for renovations, solar or upgrades
- Use the homepage filters when purpose matters
Eligibility snapshot
What lenders usually look at before approval
Most lenders are trying to answer the same basic questions: can you afford the loan, does the amount and term make sense, and do the documents support what you have told them?
Proof of income
Lenders usually want to see income evidence that lines up with the amount and term you are asking for.
Expenses and existing debts
Affordability matters. Existing repayments and living costs can change how much room you have for a new loan.
Loan amount and term
A realistic amount and term can improve fit. Stretching the term can lower the repayment but raise total cost.
Documents and general credit profile
ID, statements and supporting documents can affect speed and outcomes, even before a deeper credit assessment happens.
Go deeper before you enquire
Use the support guides below if you want to check affordability, common lender requirements or likely approval timing before you share your details.
Repayments & cost
How much can a personal loan cost?
Use the calculator to test repayments, total interest and total repaid once a lender makes the shortlist. Add known fees manually and compare the effect of loan term and extra repayments before you enquire.
Personal loan repayment calculator
When you load a lender from the market view, the calculator fills the amount, term and rate. Fee fields stay editable because the broad research file did not carry standardised fee data for every lender, so this is where you can pressure-test total cost more carefully.
Illustrative only. This calculator does not assess eligibility or approval. It is here to help you compare repayments, fees and term trade-offs before you decide whether to enquire.
Regular repayment
$622.61
per month
Total interest
$7,356.30
Based on the selected rate and time to repay
Total repaid incl. fees
$37,356.30
Principal + interest + entered fees
Time to repay
5 years
Adjusted for any extra repayment
Time saved
0 months
Compared with the standard schedule
Monthly repayment vs total cost
A lower monthly repayment can still mean a higher total cost if the term is stretched out. Check both numbers together before you move forward.
Why term length matters
A longer term can make the repayment feel easier, but it can also increase total interest and total repaid. Test both short and long versions of the same loan.
Extra repayments can change the outcome
Even a modest recurring extra repayment can reduce the time to repay and total interest. Use the calculator to see the trade-off before you enquire.
Methodology & disclosures
How we compare loans and how we make money
This homepage is the site’s main personal-loan comparison hub. It uses a selected research file, not the whole market, and it is designed to help readers compare costs, understand common trade-offs and decide whether they want to take the next step.
What is included
This comparison uses the lender rows currently available in our research file. It is broad, but it still does not represent every lender or every product in Australia.
What is not promised
Personal Loan Finder is not a lender, does not guarantee approval and does not suggest that the lowest headline rate will suit every borrower.
How results are sorted
Loan type, amount, term, purpose and sort preference shape the shortlist. Standard-fit rows appear first, while specialist rows stay available in the broader list.
How the site may make money
Personal Loan Finder is part of the Rate Challenge Group and may receive a commercial benefit if you submit an enquiry through the site and that enquiry later leads to business.
How We Compare · How We Make Money · Editorial Policy · About · Privacy Policy · Contact
Personal loan FAQs
Common questions about comparison rate, fees, repayments, applications and disclosures.
A comparison rate is designed to give you a more realistic first view of loan cost than the interest rate alone because it includes the interest rate and most mandatory fees and charges. It still does not include every feature or every possible fee, so use it as a starting point rather than the whole answer.
No. This homepage uses the lender rows currently available in our research file. It is broad, but it is not the same as every lender or every product in Australia.
Browsing this page, using the filters, shortlisting options and using the calculator do not submit a formal application or trigger a credit enquiry. A lender or broker process may have separate requirements if you later choose to apply or proceed.
Some personal loans allow extra repayments more easily than others. Check the provider’s current rules and test the effect in the calculator, because flexibility can matter almost as much as the headline rate.
Approval timing varies by lender, documents, loan structure and whether anything needs clarification. If timing matters to you, read the approval-times guide and the documents guide before you enquire.
Personal Loan Finder is an information, comparison and lead-generation website. If you submit an enquiry and that enquiry later leads to business, the business behind the site may receive a commercial benefit.
Still not sure which option may suit you?
Compare first, then ask for help if two or three options still look close on rate, fees, repayments or structure.
- Useful when you want help understanding rate, fee and repayment trade-offs
- Helpful for secured vs unsecured, debt consolidation and low-rate decisions
- General information only — no obligation to proceed