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Excellent Credit Personal Loans

If you’re the perfect and ideal borrower, finding the best personal loan deals can be a snap. Shop around by comparing excellent credit personal loans below so you can sign up for an option that suits your needs. Remember to use our calculator to find affordable repayments that help keep your credit rating in solid shape.

Calculate your repayments

Loan Amount

$10,000

Term

3 months

OurMoneyMarket

Low-Rate Personal Loan - Excellent Credit - Zero Fee

EST Monthly Repayment
EST Monthly Repayment
6.57%
Advert. Rate (p.a)
Comparison rate
OurMoneyMarket are a multi-award winning Aussie finance provider offering simple, fixed, low-rate loans from $2,000 to $75,000, plus free extra repayments and free early exits. Apply online to get a quote in minutes and funds as soon as the next day.
Plenti

Unsecured Personal Loan - Exceptional Credit

EST Monthly Repayment
EST Monthly Repayment
6.57%
Advert. Rate (p.a)
Comparison rate
Borrow from $5,000 to $50,000 with a low interest personal loan. Choose a loan term between 3 - 7 years with $0 monthly fees. Get a rate estimate in as little as 60 seconds with no impact on your credit score.
Now Finance

NOW Finance Unsecured No Fee Personal Loan

EST Monthly Repayment
EST Monthly Repayment
6.75%
Advert. Rate (p.a)
Comparison rate
Pay ZERO fees on all loans with NOW Finance. That's right - no establishment fee, no monthly fees, no early payout fee on all loans between $8,000-$50,000. What's more, get your guaranteed, tailored interest rate in two minutes without impacting your credit score. Comparison rate can vary from 6.75% to 26.95% p.a.*
Liberty

Unsecured Personal Loan - Excellent Credit

EST Monthly Repayment
EST Monthly Repayment
7.24%
Advert. Rate (p.a)
Comparison rate
Loans for free thinkers. Starting out or starting over? Get fast access to the funds you need.
OurMoneyMarket

Low Rate Personal Loan (Fixed, Secured) - Very Good

EST Monthly Repayment
EST Monthly Repayment
6.49%
Advert. Rate (p.a)
Comparison rate
OurMoneyMarket are a multi-award winning Aussie finance provider offering simple, fixed, low-rate loans from $2,000 to $75,000, plus free extra repayments and free early exits. Apply online to get a quote in minutes and funds as soon as the next day.
OurMoneyMarket

Low Rate Personal Loan (Fixed, Unsecured) - Good

EST Monthly Repayment
EST Monthly Repayment
7.49%
Advert. Rate (p.a)
Comparison rate
OurMoneyMarket are a multi-award winning Aussie finance provider offering simple, fixed, low-rate loans from $2,000 to $75,000, plus free extra repayments and free early exits. Apply online to get a quote in minutes and funds as soon as the next day.
Harmoney

Unsecured Personal Loan - Excellent Credit

EST Monthly Repayment
EST Monthly Repayment
5.76%
Advert. Rate (p.a)
Comparison rate
Get what you want, without breaking the bank. Fast, easy & 100% online. Borrow up to $70,000 unsecured. No hidden fees or early repayment penalties. Harmoney's unsecured interest rates range from 5.76% p.a. to 24.03% p.a.
NRMA

NRMA New Car Loan (Credit Score +832)

EST Monthly Repayment
EST Monthly Repayment
7.29%
Advert. Rate (p.a)
Comparison rate
There's nothing quite like the thrill of buying a car, but one of the biggest challenges is finance. Ideally you'll want a car loan that offers flexibility and a low competitive rate, and is easy to apply for.
OurMoneyMarket

Low Rate Personal Loan (Fixed, Unsecured) - Average

EST Monthly Repayment
EST Monthly Repayment
8.49%
Advert. Rate (p.a)
Comparison rate
OurMoneyMarket are a multi-award winning Aussie finance provider offering simple, fixed, low-rate loans from $2,000 to $75,000, plus free extra repayments and free early exits. Apply online to get a quote in minutes and funds as soon as the next day.
Liberty

Secured Personal Loan - Excellent Credit

EST Monthly Repayment
EST Monthly Repayment
6.52%
Advert. Rate (p.a)
Comparison rate
Loans for free thinkers. Offering the certainty of fixed repayments at a rate just for you.
NRMA

NRMA Used Car Loan (Credit Score +832)

EST Monthly Repayment
EST Monthly Repayment
8.49%
Advert. Rate (p.a)
Comparison rate
NRMA used car loans can help you get one step closer to owning your dream pre-loved car.
Plenti

Plenti - Personal Loan - Very Good Credit

EST Monthly Repayment
EST Monthly Repayment
12.49%
Advert. Rate (p.a)
Comparison rate
Borrow from $5,000 to $50,000 with a low interest personal loan. Choose a loan term between 3 - 7 years with $0 monthly fees. Get a rate estimate in as little as 60 seconds with no impact on your credit score.
Bankwest

Flexible Personal Loan

EST Monthly Repayment
EST Monthly Repayment
10.99%
Advert. Rate (p.a)
Comparison rate
Whatever it is you’re dreaming about, a Bankwest Flexible Personal Loan puts you in control. Pay it off early, make additional repayments and redraw additional repayments you’ve made all at no extra cost!
St.George Bank

Unsecured Personal Loan (Fixed)

EST Monthly Repayment
EST Monthly Repayment
12.99%
Advert. Rate (p.a)
Comparison rate
Whether you're taking control of your finances, planning a special event, or making a large purchase, our Unsecured Personal Loan may be the right solution.
St.George Bank

Unsecured Personal Loan (Variable)

EST Monthly Repayment
EST Monthly Repayment
12.99%
Advert. Rate (p.a)
Comparison rate
Whether you're taking control of your finances, planning a special event, or making a large purchase, our Unsecured Personal Loan may be the right solution.
Westpac

Westpac Unsecured Personal Loan

EST Monthly Repayment
EST Monthly Repayment
11.99%
Advert. Rate (p.a)
Comparison rate
A personal loan can help you to get what you’ve always wanted. Plan ahead with a flexible loan term of between 1 and 7 years. Apply for between $4,000 and $50,000 (conditions apply). Make extra repayments to pay your loan off sooner (prepayment fee may apply). Choose a repayment frequency to suit when you get paid - weekly, fortnightly or monthly.
NAB

NAB Variable Rate Personal Loan

EST Monthly Repayment
EST Monthly Repayment
12.69%
Advert. Rate (p.a)
Comparison rate
1-7 years flexible loan term, borrow from $5,000 up to $55,000 and redraw additional repayments you've already made
NAB

NAB Fixed Rate Personal Loan

EST Monthly Repayment
EST Monthly Repayment
12.69%
Advert. Rate (p.a)
Comparison rate
Borrow from $5,000 up to $55,000 for 1 to 7 years flexible loan terms
Wisr

Platinum Unsecured Personal Loan

EST Monthly Repayment
EST Monthly Repayment
11.40%
Advert. Rate (p.a)
Comparison rate
Wisr provide personalised low rates for applicants with good credit. Borrow between $5,000 and $50,000 with transparent terms and easy online application.
People's Choice Credit Union

Unsecured Personal Loan

EST Monthly Repayment
EST Monthly Repayment
13.99%
Advert. Rate (p.a)
Comparison rate
As a member owned organisation, our first priority is to help you. We continually focus on providing high levels of personalised service and value for money products – such as our Personal Loans– there to help you make those life-changing purchases.
Plenti

Plenti - Personal Loan - Good Credit

EST Monthly Repayment
EST Monthly Repayment
14.99%
Advert. Rate (p.a)
Comparison rate
Borrow from $5,000 to $50,000 with a low interest personal loan. Choose a loan term between 3 - 7 years with $0 monthly fees. Get a rate estimate in as little as 60 seconds with no impact on your credit score.
The Mac

Personal Loan Unsecured

EST Monthly Repayment
EST Monthly Repayment
15.99%
Advert. Rate (p.a)
Comparison rate
Whether you're dreaming of far away destinations or of revolutionising the world with your next big invention, our Unsecured Personal Loans are a flexible and simple solution from an ethical and trusted team.
Arab Bank

Unsecured Personal Loan - Variable

EST Monthly Repayment
EST Monthly Repayment
15.60%
Advert. Rate (p.a)
Comparison rate
You can use your personal loan for things like purchasing a new car, consolidating your debts, renovating your home, paying for university studies or to go on your dream holiday!
ANZ

ANZ Variable Rate Loan

EST Monthly Repayment
EST Monthly Repayment
15.99%
Advert. Rate (p.a)
Comparison rate
Whether you're looking to buy a new car, take a holiday, renovate your home or you want to consolidate debt, ANZ could help you with a Variable Rate Personal Loan.
Regional Australia Bank

Personal Loan

EST Monthly Repayment
EST Monthly Repayment
15.99%
Advert. Rate (p.a)
Comparison rate
All-purpose Personal Loan for quick and easy funds when you need them.

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Minimum and maximum loan periods vary between 6 months and 10 years. Comparison interest rates vary between 6.55% and 20.89% p.a. Total interest repayments vary between $1,387 and $4,165 over the life of the loan. *Comparison rate is based on an unsecured loan of $10,000 for a term of 3 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. These rates can change without further notice. All rates quoted are per annum. For more information regarding fees click on "View fees & additional info +" for each product or contact the provider.

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Excellent credit personal loans – Get the best rate on offer

While excellent credit personal loans don’t always guarantee credit, they do come with several top-status benefits once you pass the lender’s risk assessment. An excellent credit not only helps tip the scales in your favour when it comes to approval, but you’ll also have a wider pick of lenders. Next up, you’ll be able to borrow a bigger chunk while getting some of the best rates on the market.

This is generally a tough nut to crack for lesser credit scores. But your spotless credit works as a badge of honour that tells credit providers you’re a responsible borrower. Let’s take a closer look at how excellent credit loans work and how to stay on top when comparing options.

How do excellent credit personal loans work?

In Australia, an excellent credit score is a three-digit number that spells a history of good borrowing behaviour. The two major Australian credit reporting bureaus, Equifax and Experian, have slightly different takes on what constitutes an excellent score. But whether it’s between 800 and 1,000 (Experian) or 833 and 1,200 (Equifax), such a high score generally encourages lenders to bring out their lowest rates.

In addition, some providers offer perks, such as more flexible terms and borrowing limits. When searching for excellent credit personal loans, your choice of lenders includes banks, credit unions, online lenders, and P2P companies.

How do I get an excellent credit personal loan?

In most cases, scoring the best deal is not as cut and dried as having an impeccable credit score. Credit providers also use different yardsticks to measure your reliability when it comes to repaying your loan. These factors also weigh in on the lender’s final decision:

  • Debts. If you have other personal loans, car loans, and credit cards, they may already be bogging down your income. The closer you’re to the credit limit, the less likely you’ll be able to afford the additional debt.
  • Income vs expenses. Even if your credit plate has more room, too many expenses can also tie up your income. Therefore, a finance provider may perceive you as risky if your household budget is already clogged up with expenses.
  • Recent credit applications. A hard credit check from a lender will leave a mark on your credit file. Too many searches from different lenders in a short space of time might give the impression of a reckless borrower trying their luck everywhere.

Types of personal loans for excellent credit

  • Secured personal loans. Your debt is attached to your property, which allows you to borrow more or get an even lower rate.
  • Unsecured personal loans. You don’t have to own an asset to apply, although this flexibility comes with higher rates than secured loans.
  • Peer to peer loans. These are available on internet marketplaces where Aussie investors link up with Aussie borrowers for no-banks deals.

How to compare and choose the best personal loan

To avoid painting all personal loans with one brush, here’s what you need to consider when comparing loan options:

  • Interest rate and interest rate type. If you have worked hard to build your credit score, you’ll probably want a worthy reward for your efforts. Check for the best personal loan interest rates in our comparison table above. Remember to apply the filter to ensure on-point comparisons for fixed interest rate loans and variable interest rate loans.
  • Loan fees. Check for establishment fees, monthly fees, late payment fees, and other applicable fees. Avoid steep costs that can undo the benefits of any low rate you get.
  • Comparison rate. This also deserves a check since it generally represents the true cost of a loan. That’s because it bundles up the interest rate and fees in one percentage.
  • Monthly repayment amount. Our personal loan calculator helps you pick out the most affordable and low-cost option for your budget. Simply enter your loan amount and loan term in line with the lender’s limits to determine your monthly estimate.
  • Repayment flexibility. If you’re planning to pay off the loan in a hurry, make sure you can make early repayments with no penalties. Also, find out whether you can opt for weekly or fortnightly repayments (aside from the usual monthly)
  • Unique features. A list of such features includes pre-approval with soft credit checks, online debt tracking, and a fast payout. Some loans also have redraw facilities where you can take back extra repayments you’ve made in the past.

Excellent credit personal loans FAQ

How do I apply for a personal loan?

Our comparison table above has a “Go to Site” button for each lender. Once you’re ready to apply, click on your preferred choice to reach the lender’s online application page

Will I be approved for every application if I have excellent credit?

Credit score requirements are different for each provider, so approval is not always guaranteed. In addition, the provider also looks at your income, debts, and other factors. These will also affect the outcome of your application.

How do I improve my credit score?

Your strategy should include checking your credit file to fix any errors and paying bills on time. You can also build your credit score by applying for a low rate card.

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