Compare Personal loans | Interest Rates & Fees - Best Find

Filter Results


Personal loan amount

Term of personal loan

Features

Loan purpose

Personal loan provider

Personal Loans

Variable Rate Personal Loan

SERVICE ONE Alliance Bank's Variable Rate Personal Loan offers a competitive interest rate and is available for any worthwhile purpose, whether you are renovating your home, going on a holiday or just want to refinance your personal debt.

Overview

Minimum loan amount$1,000

Maximum loan amount$50,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate9.99%

Comparison rate10.54%

Monthly repayments (approx)$327

Total repayments (approx)$11,794

Total interest repayments (approx)$1,794

Rate typeVariable

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$25

Application / establishment fee$150

Other Fees & Information

Monthly fee$5

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$30

For debt consolidation?No

Sponsored No

Telephone1300 361 761

Data accurate as of11/04/2016

Comparison rate warning Comparison rate calculated on an unsecured loan amount of $30,000 over a 5 year term and based on monthly repayments. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Hide info ˄

Gateway Credit Union
10.59%
10.62%
$330.30

Expand info ˅

Funeral Loan

It can be stressful planning and paying for a funeral for your loved ones. That’s why our Funeral Loan can ease financial pressure and is available on-demand, to cover unexpected expenses.

Overview

Minimum loan amount$3,000

Maximum loan amount$10,000

Minimum term (years)1 Year

Maximum term (years)5 Years

Advertised rate10.59%

Comparison rate10.62%

Monthly repayments (approx)$330

Total repayments (approx)$11,890

Total interest repayments (approx)$1,890

Rate typeVariable

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$0

Application / establishment fee$149

Other Fees & Information

Monthly fee$0

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$0

For debt consolidation?No

Sponsored No

Telephone1300 302 474

Data accurate as of5/04/2017

Comparison rate warning Comparison rate is calculated based on an unsecured personal loan amount of $10,000 over a 3 year term. WARNING: 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.

Hide info ˄

Unsecured Personal Loan

For any worthwhile need, a DirectMoney Personal Loan gives you the flexibility you want at a very competitive rate

Overview

Minimum loan amount$5,000

Maximum loan amount$35,000

Minimum term (years)3 Years

Maximum term (years)5 Years

Advertised rate9.95%

Comparison rate10.82%

Monthly repayments (approx)$341

Total repayments (approx)$12,298

Total interest repayments (approx)$2,298

Rate typeFixed

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$0

Application / establishment fee$595

Other Fees & Information

Monthly fee$0

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleMonthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$25

For debt consolidation?Yes

Sponsored No

Telephone1800 033 139

Data accurate as of5/04/2017

Comparison rate warning Comparison rate(s) based on $30,000 unsecured loan, fixed over 5 years, with monthly repayments. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Hide info ˄

Unsecured Personal Loan

Our Personal Loans offer competitive interest rates. Approvals are fast, delivered within 24 hours by our locally based lending team.

Overview

Minimum loan amount$1,000

Maximum loan amount$30,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate10.49%

Comparison rate10.85%

Monthly repayments (approx)$333

Total repayments (approx)$11,991

Total interest repayments (approx)$1,991

Rate typeVariable

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$0

Application / establishment fee$250

Other Fees & Information

Monthly fee$0

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$0

For debt consolidation?No

Sponsored No

Telephone1300 360 744

Data accurate as of11/04/2016

Comparison rate warning The comparison rate is based on a $30,000 loan repayable over 5 years. WARNING: 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 compa

Hide info ˄

Victoria Teachers Mutual Bank
10.25%
10.87%
$326.76

Expand info ˅

Share Loan

Shares can be a valuable investment for your financial future. Our flexible personal Share Loan will help you buy into the share market and build your investment portfolio.

Overview

Minimum loan amount$1,000

Maximum loan amountNo maximum

Minimum term (years)1 Year

Maximum term (years)5 Years

Advertised rate10.25%

Comparison rate10.87%

Monthly repayments (approx)$326

Total repayments (approx)$11,763

Total interest repayments (approx)$1,763

Rate typeVariable

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$0

Application / establishment fee$90

Other Fees & Information

Monthly fee$0

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$20

For debt consolidation?No

Sponsored No

Telephone1300 654 822

Data accurate as of11/04/2016

Comparison rate warning Comparison rate calculated on an unsecured loan amount of $10,000 for a term of 3 years. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate.

Hide info ˄

Variable Personal Loan

Apply for a variable rate personal loan and you could eligible to borrow $3,000 and $30,000 for personal reasons. Take the holiday, finish the renovation, or plan a special event.

Overview

Minimum loan amount$3,000

Maximum loan amount$30,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate9.84%

Comparison rate10.87%

Monthly repayments (approx)$326

Total repayments (approx)$11,761

Total interest repayments (approx)$1,761

Rate typeVariable

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$0

Application / establishment fee$149

Other Fees & Information

Monthly fee$0

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$0

For debt consolidation?No

Sponsored No

Telephone1300 302 474

Data accurate as of5/04/2017

Comparison rate warning Comparison rate is calculated based on an unsecured personal loan amount of $10,000 over a 3 year term. WARNING: 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.

Hide info ˄

Personal Touch Loan

A great unsecured personal loan rate, along with the service and support that gives Regional Australia Bank the personal touch!

Overview

Minimum loan amount$8,000

Maximum loan amount$100,000

Minimum term (years)1 Year

Maximum term (years)5 Years

Advertised rate9.99%

Comparison rate10.88%

Monthly repayments (approx)$328

Total repayments (approx)$11,841

Total interest repayments (approx)$1,841

Rate typeVariable

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$0

Application / establishment fee$195

Other Fees & Information

Monthly fee$0

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$0

For debt consolidation?No

Sponsored No

Telephone132 067

Data accurate as of9/04/2016

Comparison rate warning WARNING: This comparison rate is for an unsecured variable rate “Enviro Loan” based on $15,000 over 3 years. It refers to the examples given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different comparison rate. Interest rates are on a per annum basis and are current as at 01/02/17 and are subject to change.

Hide info ˄

CUA Discount Variable Personal Loan

With a CUA Variable Rate Personal Loan you can seize the moment with a competitive interest rate and flexible repayment options.

Overview

Minimum loan amount$1,000

Maximum loan amount$100,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate10.89%

Comparison rate10.89%

Monthly repayments (approx)$326

Total repayments (approx)$11,767

Total interest repayments (approx)$1,767

Rate typeVariable

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$0

Application / establishment fee$0

Other Fees & Information

Monthly fee$0

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$0

For debt consolidation?Yes

Sponsored No

Telephone133 282

Data accurate as of5/04/2017

Comparison rate warning Comparison rate calculated on a loan amount of $30,000 over a term of 5 years based on monthly repayments. Rates are for unsecured loans only. 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.

Hide info ˄

Unsecured Personal Loan

The Unsecured Personal Loan can be used for all types of purposes including holidays, bills, dental work, uni fees, plastic surgery, or to consolidate a few debts into one easy loan.

Overview

Minimum loan amount$2,000

Maximum loan amount$70,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate10.69%

Comparison rate10.91%

Monthly repayments (approx)$330

Total repayments (approx)$11,909

Total interest repayments (approx)$1,909

Rate typeVariable

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$0

Application / establishment fee$150

Other Fees & Information

Monthly fee$0

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$20

For debt consolidation?Yes

Sponsored No

Telephone1800 753 377

Data accurate as of9/04/2016

Comparison rate warning Comparison rate based on a loan of $30,000 over 5 years, secured. 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.

Hide info ˄

CUA Discount Fixed Personal Loan

A CUA Fixed Rate Personal Loan offers peace of mind knowing your repayments won’t change over the life of your loan.

Overview

Minimum loan amount$1,000

Maximum loan amount$100,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate10.99%

Comparison rate10.99%

Monthly repayments (approx)$327

Total repayments (approx)$11,784

Total interest repayments (approx)$1,784

Rate typeFixed

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$0

Application / establishment fee$0

Other Fees & Information

Monthly fee$0

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$0

For debt consolidation?Yes

Sponsored No

Telephone133 282

Data accurate as of5/04/2017

Comparison rate warning Comparison rate calculated on a loan amount of $30,000 over a term of 5 years based on monthly repayments. Rates are for unsecured loans only. 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.

Hide info ˄

Personal Loan Unsecured

Whatever it is you want, a plasma TV, a holiday or even home renovations - we can help you get it.

Overview

Minimum loan amount$1,000

Maximum loan amountNo maximum

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate10.99%

Comparison rate11.21%

Monthly repayments (approx)$332

Total repayments (approx)$11,966

Total interest repayments (approx)$1,966

Rate typeVariable

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$0

Application / establishment fee$150

Other Fees & Information

Monthly fee$5

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$0

For debt consolidation?No

Sponsored No

Telephone1300 855 675

Data accurate as of11/04/2016

Comparison rate warning Comparison rates are calculated on a loan amount of $30,000 over a term of 5 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.

Hide info ˄

Unsecured Personal Loan

Perfect for your dream holiday, kids education, a boat or caravan or to consolidate your debts. Whatever the purpose FCCS can offer you a loan to suit your personal needs.

Overview

Minimum loan amount$1,000

Maximum loan amount$30,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate10.95%

Comparison rate11.27%

Monthly repayments (approx)$333

Total repayments (approx)$12,007

Total interest repayments (approx)$2,007

Rate typeVariable

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$25

Application / establishment fee$195

Other Fees & Information

Monthly fee$0

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$25

For debt consolidation?Yes

Sponsored No

Telephone1300 361 555

Data accurate as of5/04/2017

Comparison rate warning Comparison rates are based on a secured loan amount of $30,000 over a term of 5 years. WARNING: These comparison rates are 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.

Hide info ˄

Personal Choice

As well as a market leading rate and no ongoing fees, the Liberty Personal Best loan provides the flexibility to access your cash as you need it and only pay interest on what you use.

Overview

Minimum loan amount$5,000

Maximum loan amount$50,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate10.99%

Comparison rate11.27%

Monthly repayments (approx)$333

Total repayments (approx)$12,013

Total interest repayments (approx)$2,013

Rate typeFixed

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$0

Application / establishment fee$195

Other Fees & Information

Monthly fee$0

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$10

For debt consolidation?Yes

Sponsored No

Telephone13 11 33

Data accurate as of6/04/2017

Comparison rate warning Interest rates will range from 10.99% p.a. to 24.99% p.a. and will depend on our assessment criteria and comparison rates range from 11.27% p.a. to 25.31% p.a. Comparison rates are based on an unsecured $30,000 loan over a 5-year term. 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.

Hide info ˄

Secured Personal Loan

Secured personal loans.

Overview

Minimum loan amount$5,000

Maximum loan amount$30,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate11.14%

Comparison rate11.29%

Monthly repayments (approx)$331

Total repayments (approx)$11,927

Total interest repayments (approx)$1,927

Rate typeVariable

Secured or unsecuredSecured

Security required Yes

Encumberance/REVVS check fee$0

Application / establishment fee$100

Other Fees & Information

Monthly fee$0

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$25

For debt consolidation?Yes

Sponsored No

Telephone13 61 91

Data accurate as of11/04/2016

Comparison rate warning Comparison rate based on a $30,000 loan over 5 years secured. Warning: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate.

Hide info ˄

Green Personal Loan

If you’ve been full of excuses or have been saving for what seems like ages, Hunter United are ready to make your day with an affordable personal loan.

Overview

Minimum loan amount$1,000

Maximum loan amount$30,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate7.99%

Comparison rate11.46%

Monthly repayments (approx)$321

Total repayments (approx)$11,570

Total interest repayments (approx)$1,570

Rate typeVariable

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$0

Application / establishment fee$250

Other Fees & Information

Monthly fee$8

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$20

For debt consolidation?No

Sponsored No

Telephone1800 10 10 63

Data accurate as of6/04/2017

Comparison rate warning The comparison rate is calculated on an unsecured loan amount 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.

Hide info ˄

12345...
results per page

BestFind.com.au provides factual information in relation to financial products. While BestFind.com.au attempts to make a wide range of products and providers available, it may not cover all the options available to you. Moreover, we cannot be responsible for changes made to this information by product providers and/or inaccurate information obtained from a product provider. All product information comes from the product provider or publicly available information and to the best of our knowledge is correct at time of publishing. The information published on BestFind.com.au is general in nature only and does not consider your personal objectives, financial situation or particular needs and is not recommending any particular product to you. If you decide to apply for a product you will be dealing directly with that provider and not with BestFind.com.au. BestFind.com.au recommends that you read the relevant PDS or offer documentation before taking up any financial product offer. For more information please see BestFind.com.au's Terms of Use and Services Guide.

Tips for comparing personal loans

Looking to make major purchase, go on a holiday or perhaps to consolidate your existing debts into one simple regular repayment? When comparing personal loans, there are other important things to consider and understand, other than just the interest rate.

Are you eligible for a personal loan?

Before you apply for a personal loan, be sure to understand and meet the financial institution’s lending criteria. Below are examples of what may be included in the lending criteria:

  • Minimum age. 18 to 21 is a standard range
  • A verifiable and steady employment. Often you will be required to provide copies of your most recent pay slips
  • A good credit history. For example, no recent defaults and no frequent requests for credit
  • Most lenders require you to be an Australian citizen or permanent resident
  • Credit cards with large credit limits are seen as liabilities, even if there’s nothing owing. If you have existing liabilities, be certain you can pay them off in addition to any new liability

There are many additional factors banks consider when accessing your application, but the above are the most important. If you feel like you may not meet the banks eligibility criteria, it may be best to save!

What can you use a personal loan for?

Lenders will allow you to borrow for almost any worthwhile purpose. No, going to the casino and putting it all on black is not a worthwhile purpose. When comparing loans, use our “loan purpose” filter to find providers that could best suit your needs. Examples include:

How much and how long can you take out a personal loan for?

Minimum and maximum loan amounts vary between $1,000 and $100,000+. Loan terms vary from 6 months to 10 years. Though the exact number varies between lenders, your eligibility and whether you secure the loan.

What’s the difference between secured and unsecured loans?

Secured personal loans use an asset you own as collateral. If you are unable to repay the loan, the lender can then repossess and sell the asset to recoup some or all of the losses from the unpaid loan. If you own a car, property, term deposit or some other valuable asset, you will likely be offered a lower interest rate in exchange for offering it as collateral. You could potentially borrow a larger sum of money if you offer security and the meet the lending criteria.

Unsecured personal loans are loans where you do not put up an asset as collateral. Unsecured loans are higher risk for the lenders, because if you default on the loan, there’s a reduced possibly to recoup the loan. These types of loans come with a higher interest rate, because it reflects the greater risk

What’s the deal with fixed and variable interest rates?

Sometimes, nothing. Though other of the times, it impacts the maximum term of loan, the maximum amount you can borrow, the interest rate and whether the loan includes a redraw facility or allows you to repay early without incurring a penalty fee.

Fixed interest rates will not change over the life of the loan, which makes it easier to budget. By agreeing to a fixed interest rate for the life of the loan, there is no risk that you will miss payments because the interest rate increases. On the flipside, if there is an interest rate cut in the future, you will miss out on any possible savings. Some lenders may not include a redraw facility on fixed rate loans or will include an early repayment fee.

Variable interest rates may rise and fall throughout the life of your loan. This could potentially mean that you will save money in the future if interest rates fall, but if interest rates rise in the future could become difficult to continue to meet the monthly premiums. Variable interest rate personal loans tend to be more flexible for payment terms than fixed rate loans, which gives you more options to manage your finances and tailor your payments to work for you.

What is a peer-to-peer loan?

Peer-to-peer loans have been popular in the UK and the United States for nearly a decade, but are a recent addition to the Australian financial scene. Peer-to-peer lenders give borrowers the opportunity to borrow directly from lenders or investors and bypass traditional lending institutions such as banks and credit unions.

Peer-to-peer lenders can reward individuals with good credit scores by providing loans with a lower interest rate, to reflect the lower risk. However, peer-to-peer lenders may not offer the same flexibility as a bank or credit union. For example, they may not offer the ability to repay the loan weekly or fortnightly or may not have a redraw facility.

What else should you keep in mind when choosing a loan?

When choosing a loan, the interest rate and repayment schedule are not the only important items to consider. Many lending institutions charge fees in addition to interest and hidden fees can surprise even experienced borrowers.

Comfortable repayment schedule

Most lenders allow weekly, fortnightly or monthly repayment. But not all of them, consider a provider that can make withdrawals, based on your pay cycle.

Extra repayment or early penalties

Consider loans that do not penalise you for making additional payments or paying off the loan early. These fees can range anywhere from $0 to $700, depending on how far into the loan you are.

Redraw facility

If you are making additional payments on your loans, but something comes up and you wish you could take that payment back, luckily some loans offer the ability to redraw those payments (as long as you are paid ahead of schedule according to the repayment plan), which can help offer peace of mind to know that if something comes up. Redraw limits and fees apply to some institutions.

Comparison rates

A comparison rate is a term used to describe the actual cost of borrowing, once you include all the application, establishment and recurring fees. In Australia, it is a legal requirement that comparison rates are based on scenarios (i.e. $10,000 over 3 years, or $30,000 over 5 years). The scenarios are found in the disclaimers. It’s important to note, that a 10% comparison rate over 3 years, will not have the same monthly repayment as a 10% comparison rate over 5 years (the 5 year comparison rate is likely to be more expansive), so be sure to read the disclaimer!