Compare Personal Loan Rates
Today's featured Personal Loans
Lowest comparison rate for your filters
A personal loan to help members transition to more affordable and sustainable living
Lowest comparison rate for your filters
A loan that allows individuals to borrow funds for personal expenses such as home improvements, car purchases, debt consolidation and more.
Comparing 179 products
21 membership-required, 1 dealer-arranged, 1 broker-arranged and 2 business products hidden from this list.
Narrowed to the personal loans that will lend $20,000.
Borrowing $20,000 over 5 years at the lowest advertised shown:
- Monthly repayment from
- $382/mo
- Total repaid
- $22,949
- Total interest
- $2,949
Estimate only, based on the lowest advertised interest rate shown and assuming equal monthly repayments. Actual repayments depend on your rate, fees and loan terms.
| Product | Actions | ||||||
|---|---|---|---|---|---|---|---|
 | Advertised rate7.20% | Comparison rate8.54% | Monthly repayment$398/mo | VariablePrincipal & interestFeatures: | Get rewarded for making green purchases and improvements to your home with a low interest rate, great features and no monthly service fees or charges. | ||
 | Advertised rate7.24% | Comparison rate7.65% | Monthly repayment$398/mo | FixedPrincipal & interestFeatures: | |||
 | Advertised rate7.25% to 22.25% | Comparison rate8.65% to 27.03% | Monthly repayment$398/moAt the lowest rate in the range | UnsecuredFixedPrincipal & interestFeatures: Extra repayments | Take control of your next step with a flexible CommBank Fixed Rate Personal Loan that puts you in charge. | ||
 | Advertised rate7.29% to 22.19% | Comparison rate8.69% to 23.48% | Monthly repayment$399/moAt the lowest rate in the range | UnsecuredFixedPrincipal & interestFeatures: Extra repayments | Whether consolidating your debt or renovating your home, our Unsecured Personal Loan could help. See what personalised rate you could get. | ||
 | Advertised rate7.34% | Comparison rate8.21% | Monthly repayment$399/mo | SecuredVariablePrincipal & interest | You can use a Cairns Bank secured personal loan for almost anything, including home improvements, the holiday of a lifetime or a car for your children! | ||
 | Advertised rate7.49% to 8.49% | Comparison rate8.29% to 9.29% | Monthly repayment$401/moAt the lowest rate in the range | VariablePrincipal & interestFeatures: Extra repayments | Our Boat Loan allows you to purchase a new or used personal and trailerable watercraft up to five years of age. | ||
 | Advertised rate7.49% | Comparison rate7.49% | Monthly repayment$401/mo | VariablePrincipal & interestFeatures: Extra repayments | Reduced rate personal loan to help you make all-electric and energy efficient upgrades. | ||
 | Advertised rate7.49% to 21.99% | Comparison rate8.18% to 22.56% | Monthly repayment$401/moAt the lowest rate in the range | FixedPrincipal & interest | Get what you want with the certainty of fixed repayments | ||
| Advertised rate7.49% to 21.99% | Comparison rate8.18% to 22.56% | Monthly repayment$401/moAt the lowest rate in the range | VariablePrincipal & interestFeatures: Extra repayments | Whether you're looking to buy a new car, take a holiday, renovate your home or you want to consolidate debt, we could help you with an ANZ Variable Rate Personal Loan | ||
 | Advertised rate7.50% to 22.00% | Comparison rate8.41% to 22.29% | Monthly repayment$401/moAt the lowest rate in the range | VariablePrincipal & interestFeatures: Extra repayments | With our unsecured personal loans, you can buy a new car, travel overseas, renovate your home, consolidate your debts and more. | ||
| Advertised rate7.50% to 22.00% | Comparison rate8.41% to 22.29% | Monthly repayment$401/moAt the lowest rate in the range | FixedPrincipal & interestFeatures: Extra repayments | |||
 | Advertised rate7.59% | Comparison rate7.62% | Monthly repayment$402/mo | VariablePrincipal & interest | |||
| Advertised rate7.59% | Comparison rate7.62% | Monthly repayment$402/mo | SecuredVariablePrincipal & interest | |||
 | Advertised rate7.69% to 10.75% | Comparison rate8.63% to 11.18% | Monthly repayment$403/moAt the lowest rate in the range | SecuredVariablePrincipal & interestFeatures: Extra repayments | Have An Existing Fixed Term Deposit Or Don't Want To Use Your Own Money? A Broken Hill Bank Cash Secured Loan Might Be For You. | ||
 | Advertised rate7.75% | Comparison rate9.29% | Monthly repayment$403/mo | SecuredVariablePrincipal & interestFeatures: Extra repayments | |||
| Advertised rate7.75% | Comparison rate8.20% | Monthly repayment$403/mo | SecuredVariablePrincipal & interestFeatures: Extra repayments | |||
 | Advertised rate7.79% to 8.79% | Comparison rate7.79% to 9.14% | Monthly repayment$404/moAt the lowest rate in the range | UnsecuredFixedPrincipal & interestFeatures: | Our Green Loan is available for non-members and members seeking to purchase any eligible green product that provides a benefit to the environment. The minimum loan amount is $5,000. The interest rate… | ||
 | Advertised rate7.79% to 8.98% | Comparison rate8.49% to 9.68% | Monthly repayment$404/moAt the lowest rate in the range | UnsecuredFixedPrincipal & interestFeatures: | An unsecured loan with a competitive interest rate and low monthly fee for any worthwhile purpose | ||
 | Advertised rate7.79% | Comparison rate8.04% | Monthly repayment$404/mo | SecuredFixedPrincipal & interestFeatures: | |||
| Advertised rate7.94% | Comparison rate8.43% | Monthly repayment$405/mo | FixedPrincipal & interestFeatures: | Our online-only Special Fixed Rate Personal Loan rate is available just for applications received through our digital channels. This product is available when secured by a new or used vehicle aged 5… | ||
Comparison rate warning and base criteria
Base criteria: repayment figures shown in this table are calculated on a loan of $20,000 over 5 years. Repayment estimates use each loan’s advertised interest rate, with the comparison rate shown beside it as a guide to total cost. Where a lender publishes a range of rates, the estimate uses the lowest rate in the range, and the rate you are offered depends on your circumstances. These figures are examples only. They are not a quote, and they may not include all fees and charges.
*Warning: the comparison rate shown is calculated by the lender on its own standard example, usually a $30,000 loan over 5 years. This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Products are selected for relevance to the table and to the filters applied. They are not suggestions or recommendations, and the order they appear in is not a ranking of suitability.
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Rates, fees and charges are subject to change without notice. Before acting on any information shown here, you should confirm the rates, fees, charges and product information with the provider. For clarity, where we have used the terms “lowest” or “best”, these relate solely to the rates of interest offered by the provider and not to any other factor. The application of these terms to a particular product is subject to change without notice if the provider changes their rates.
We do not compare every personal loans available in Australia, and this table does not compare every feature that may be relevant to you. Changing the filters will surface further relevant products. See how we sort and rank products and how we make money.
This information is general in nature. It does not take into account your objectives, financial situation or needs, and it is not a recommendation to apply for or hold any particular product. You should read the provider’s Key Facts Sheet, Target Market Determination and credit contract terms before deciding. CompareThat compares products. We do not arrange, approve or process applications.
Browse all personal loan lenders
Guides
- Personal Loans Guide How your credit score sets your personal loan rate Personal loans are advertised as a range for a reason. The rate you are offered is set by what the credit bureaus hold about you, and most of what sits in that file is fixable, given a few months of notice.
- Personal Loans Guide Debt consolidation loans explained Combining several debts into one loan can cut both your interest bill and the mental load of managing them. It can also increase what you pay in total. The difference is almost always the term, not the rate.
The Numbers Behind These Rates
Where this market sits today, and the official figures behind it.
- Market averages Personal Loan Market Averages Today's average personal loan rate, by segment, and how it has moved since the last reading. Taken from every product in the feed, not a survey.
- Statistics Average Personal Loan Interest Rate in Australia Personal loan rates span an unusually wide range, because lenders price each borrower individually. The tiles below show the live average and the secured-versus-unsecured gap across the lenders we compare.
- Market averages Car Loan Market Averages Today's average car loan rate, by segment, and how it has moved since the last reading. Taken from every product in the feed, not a survey.
- Statistics Average Car Loan Interest Rate in Australia Car loans are the largest single use of fixed-term personal lending in Australia. The tiles below show live average rates across the lenders we compare, and what securing the loan against the vehicle is worth.
- Rate Tracker Every Market, One Page The daily average across home loans, savings, term deposits, credit cards and personal and car loans, measured against the RBA cash rate.