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 rate9.54% | Comparison rate10.26% | Monthly repayment$420/mo | SecuredFixedPrincipal & interestFeatures: | A competitive secured personal loan for car, boat or motorcycle. | ||
| Advertised rate9.54% | Comparison rate9.70% | Monthly repayment$420/mo | Students onlySecuredFixedPrincipal & interestFeatures: | Perfect for higher education students and apprentices looking to buy a new or used car, or refinance an existing one. | ||
 | Advertised rate9.55% | Comparison rate9.84% | Monthly repayment$421/mo | UnsecuredVariablePrincipal & interestFeatures: Extra repayments | Whether you're funding a new project around the house or need to cover an unexpected expense, an unsecured personal loan could be the right fit for you. | ||
 | Advertised rate9.64% | Comparison rate11.00% | Monthly repayment$421/mo | UnsecuredFixedPrincipal & interestFeatures: | |||
 | Advertised rate9.64% to 13.64% | Comparison rate10.56% to 14.53% | Monthly repayment$421/moAt the lowest rate in the range | UnsecuredFixedPrincipal & interest | Personal Loan from $5K-$50K with no security required. | ||
| Advertised rate9.64% to 13.64% | Comparison rate10.56% to 14.53% | Monthly repayment$421/moAt the lowest rate in the range | UnsecuredFixedPrincipal & interestFeatures: | Personal Loan from $20K-$50K with no security required. | ||
| Advertised rate9.64% to 13.64% | Comparison rate10.56% to 14.53% | Monthly repayment$421/moAt the lowest rate in the range | UnsecuredFixedPrincipal & interestFeatures: | Personal Loan from $20K-$50K with no security required. | ||
| Advertised rate9.64% | Comparison rate11.00% | Monthly repayment$421/mo | UnsecuredVariablePrincipal & interestFeatures: | |||
 | Advertised rate9.74% | Comparison rate10.37% | Monthly repayment$422/mo | UnsecuredFixedPrincipal & interestFeatures: Extra repayments | An unsecured personal loan with a fixed rate and choice of loan term. Whether it's a car, home improvements or a dream holiday, P&N have you covered. | ||
 | Advertised rate9.75% | Comparison rate10.18% | Monthly repayment$422/mo | VariablePrincipal & interestFeatures: Extra repayments | What Interest Are You Paying On Your Credit Card Or Other Personal Loans? Not Pretty Is It? Apply For A Broken Hill Bank Credit Crusher And Consolidate Your Debts Into One Easy To Manage Loan… | ||
 | Advertised rate9.99% | Comparison rate10.13% | Monthly repayment$425/mo | VariablePrincipal & interestFeatures: | Borrow for any worthwhile purpose from the latest in big ticket electronics, white goods and household items to holidays, cars, boats and bikes. You can also refinance or consolidate your loans from… | ||
 | Advertised rate9.99% | Comparison rate10.13% | Monthly repayment$425/mo | VariablePrincipal & interestFeatures: | Borrow for any worthwhile purpose from the latest in big ticket electronics, white goods and household items to holidays, cars, boats and bikes. | ||
| Advertised rate9.99% | Comparison rate10.00% | Monthly repayment$425/mo | VariablePrincipal & interestFeatures: | Our Fair Rate Personal Loan can help fund or partially fund holidays and travel, renovations, wedding plans and debt consolidation. The rate is guided by your credit worthiness and borrowing history. | ||
 | Advertised rate9.99% | Comparison rate10.13% | Monthly repayment$425/mo | VariablePrincipal & interestFeatures: | Use Budget Personal Loan to consolidate debt, purchase new appliances, go on holidays or achieve another financial goal. Benefit from competitive variable interest rates, flexible repayment & more | ||
 | Advertised rate10.17% | Comparison rate10.86% | Monthly repayment$427/mo | UnsecuredVariablePrincipal & interestFeatures: | |||
 | Advertised rate10.24% | Comparison rate10.74% | Monthly repayment$427/mo | FixedPrincipal & interestFeatures: | Our Fixed Rate Personal Loan is available when secured by a vehicle aged 10 years and less. The minimum loan amount is $5,000. The interest rate of this product is fixed for the life of the loan up… | ||
 | Advertised rate10.24% | Comparison rate11.60% | Monthly repayment$427/mo | VariablePrincipal & interestFeatures: | A great unsecured personal loan rate, along with the service and support that gives Regional Australia Bank the personal touch! | ||
 | Advertised rate10.49% | Comparison rate11.52% | Monthly repayment$430/mo | VariablePrincipal & interestFeatures: | An unsecured personal loan for any worthwhile purpose with a competitive variable rate. Available for loans from $5,000 from 1-5 years. | ||
| Advertised rate10.49% | Comparison rate11.52% | Monthly repayment$430/mo | FixedPrincipal & interestFeatures: | An unsecured personal loan for any worthwhile purpose with a competitive fixed rate. Available for loans from $5,000 from 1-5 years. | ||
| Advertised rate10.49% | Comparison rate11.61% | Monthly repayment$430/mo | FixedPrincipal & interestFeatures: Extra repayments | A loan that allows individuals to borrow funds for the purchase and installation of renewable energy goods for a residential home, including solar panels, battery storage and other eligible clean… | ||
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.