How long does approval take?
Search processing and funding information for 50 lender brands, with conditions and help for delayed applications.
Read guidePersonal loan guides for Australia
Understand the costs, prepare your application and know what happens next. Start with your question: each guide includes practical checks, clear examples and links to the original sources.
What would you like to know?
Documents for a personal loan
Find the records to prepare for your income type, loan purpose and lender’s requirements.
Read guidePersonal loan eligibility
Separate basic criteria from affordability, credit assessment and your offered rate.
Read guideWhat is a comparison rate?
See what it includes, why the example loan matters and when a lower interest rate costs more.
Read guidePersonal loan fees
Check setup, ongoing and exit costs, including what happens when fees are added to the loan.
Read guideSecured vs unsecured loans
Compare the dollar saving, car requirements, flexibility and risks of pledging an asset.
Read guideNew to personal loans? Start here
- Check the fit. Read the eligibility guide before choosing a lender or submitting an application.
- Compare the full cost. Keep the amount and term the same, then check your offered rate, fees and total payable.
- Prepare the evidence. Use the document checklist and confirm exactly what your lender needs.
- Plan your timing. Allow for verification, signing and funding before committing to a purchase deadline.
When you are ready, use the personal loan comparison tool and repayment calculator to explore the figures.
How we put these guides together
We use Australian regulator, government and lender information, link to the sources, and date our reviews. Worked examples are labelled as illustrations and explain their assumptions. Named lender requirements are examples, not rules for every lender.
These guides help you ask better questions; they cannot determine whether a lender will approve you. Read our editorial policy for our approach.
About these guides
General information only. Requirements, rates and fees depend on the lender, product and your circumstances. Editorial policy · How we compare · How we are paid
Put the numbers side by side
Compare personal loan options for your amount, term and purpose, then check the lender’s final offer.
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