Compare Personal loans | Interest Rates & Fees - Best Find

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Personal loan amount

Term of personal loan

Features

Loan purpose

Personal loan provider

Personal Loans

Personal Loan Unsecured

Got big plans? Our Unsecured Personal Loan can help you make those plans a reality.

Overview

Minimum loan amount$5,000

Maximum loan amount$25,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate11.64%

Comparison rate12.69%

Monthly repayments (approx)$335

Total repayments (approx)$12,073

Total interest repayments (approx)$2,073

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 facilityNo

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$0

For debt consolidation?Yes

Sponsored No

Telephone1300 747 747

Data accurate as of9/04/2016

Comparison rate warning 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. Our comparison rate assumes a monthly repayment frequency and an unsecured loan of $10,000 with a term of 3 years, or a secured loan of $30,000 with a term of 5 years (as applicable).

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Personal Loan

We offer a choice of loan terms from 1 to 7 years – simply choose what you’re comfortable with and what suits your lifestyle. And with no early payout fees, having the things you want right now has never been easier.

Overview

Minimum loan amount$1,000

Maximum loan amount$100,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate11.74%

Comparison rate12.70%

Monthly repayments (approx)$336

Total repayments (approx)$12,103

Total interest repayments (approx)$2,103

Rate typeVariable

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$50

Application / establishment fee$150

Other Fees & Information

Monthly fee$10

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 033 139

Data accurate as of5/04/2017

Comparison rate warning Comparison rate is based on a $30,000 secured loan over a 5 year term. Fees and Charges are payable. Terms and Conditions available on request. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees, other loan amounts or loans offered on an unsecured basis may result in a different comparison rate.

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All Purpose Loan

Our competitive interest rates and easy payment options can help make your dream a reality.

Overview

Minimum loan amount$1,000

Maximum loan amount$750,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate12.49%

Comparison rate12.76%

Monthly repayments (approx)$339

Total repayments (approx)$12,222

Total interest repayments (approx)$2,222

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$0

For debt consolidation?Yes

Sponsored No

Telephone13 77 28

Data accurate as of9/04/2016

Comparison rate warning WARNING: This comparison rate applies only to the example above. 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. The comparison rate displayed is calculated based on a loan amount of $25,000 over a 5 year term. Terms and conditions are available on request. Fees and charges are payable. Normal lending criteria applies.

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Unsecured Personal Loan

Looking to do home improvements, take a well-earned holiday or simply consolidate your outstanding debt? Whatever it is you’re dreaming about, make it happen sooner with our low rate Unsecured Personal Loan.

Overview

Minimum loan amount$5,000

Maximum loan amount$50,000

Minimum term (years)3 Years

Maximum term (years)7 Years

Advertised rate11.99%

Comparison rate12.80%

Monthly repayments (approx)$338

Total repayments (approx)$12,198

Total interest repayments (approx)$2,198

Rate typeFixed

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$0

Application / establishment fee$195

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$250

Missed payment fee$0

For debt consolidation?Yes

Sponsored No

Telephone13 17 19

Data accurate as of4/04/2017

Comparison rate warning Comparison rate based on an unsecured personal loan of $30,000 over 5 years. WARNING: This comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees, 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.

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Personal Loan

Finances falling short of your goals? Get what you need, now, with a ME low interest personal loan.

Overview

Minimum loan amount$5,000

Maximum loan amount$50,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate12.49%

Comparison rate12.86%

Monthly repayments (approx)$342

Total repayments (approx)$12,342

Total interest repayments (approx)$2,342

Rate typeFixed

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?Yes

Sponsored No

Telephone13 15 63

Data accurate as of9/04/2016

Comparison rate warning Comparison rate calculated on an unsecured loan of $30,000 for a term of 5 years, repaid monthly. 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.

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Personal Loan Variable Rate

You can borrow for any worthwhile purpose from the latest in big ticket electronics, white goods and household items to holidays, cars, boats and bikes.

Overview

Minimum loan amount$1,000

Maximum loan amount$100,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate12.76%

Comparison rate12.90%

Monthly repayments (approx)$339

Total repayments (approx)$12,206

Total interest repayments (approx)$2,206

Rate typeVariable

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$0

Application / establishment fee$98

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$9

For debt consolidation?No

Sponsored No

Telephone131 728

Data accurate as of9/04/2016

Comparison rate warning The comparison rate is based on a loan of $30,000 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.

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Lifestyle Personal Loan

Low rate personal loans for almost any purpose

Overview

Minimum loan amount$1,000

Maximum loan amountNo maximum

Minimum term (years)1 Year

Maximum term (years)10 Years

Advertised rate11.89%

Comparison rate12.94%

Monthly repayments (approx)$336

Total repayments (approx)$12,117

Total interest repayments (approx)$2,117

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$0

For debt consolidation?Yes

Sponsored No

Telephone132 888

Data accurate as of4/04/2017

Comparison rate warning The Comparison Rate is based on a unsecured loan of $10,000 for 3 years. Fees and charges may be applicable. 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.

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Partly Secured Loan

A partially secured loan is provided against an asset that has value lower than or at least 50% of the amount borrowed.

Overview

Minimum loan amount$1,500

Maximum loan amountNo maximum

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate13.14%

Comparison rate13.18%

Monthly repayments (approx)$337

Total repayments (approx)$12,153

Total interest repayments (approx)$2,153

Rate typeVariable

Secured or unsecuredSecured

Security required Yes

Encumberance/REVVS check fee$13

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

Telephone1300 654 321

Data accurate as of5/04/2017

Comparison rate warning Comparison rate calculation is based on a loan of $10,000 over 3 years with fortnightly repayments unless otherwise stated. WARNING: The comparison rates apply only to the example or examples given. Normal lending criteria apply, interest rate is per annum and is variable. 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. All interest rates are subject to change.

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Unsecured Personal Loan

Get what you want sooner with an IMB Unsecured Personal Loan. Take advantage of competitive interest rates, flexible payment options and no penalty for early payout. Apply online today.

Overview

Minimum loan amount$2,000

Maximum loan amount$20,000

Minimum term (years)1 Year

Maximum term (years)5 Years

Advertised rate11.69%

Comparison rate13.46%

Monthly repayments (approx)$338

Total repayments (approx)$12,201

Total interest repayments (approx)$2,201

Rate typeFixed

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?Yes

Sponsored No

Telephone1300 28 69 39

Data accurate as of6/04/2017

Comparison rate warning This comparison rate is based on an unsecured loan amount of $10,000 for a term of 3 years. 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.

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Personal Loan Unsecured

An unsecured loan is provided when there is no asset presented as security against the amount borrowed.

Overview

Minimum loan amount$2,500

Maximum loan amountNo maximum

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate13.45%

Comparison rate13.49%

Monthly repayments (approx)$339

Total repayments (approx)$12,207

Total interest repayments (approx)$2,207

Rate typeVariable

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$13

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

Telephone1300 654 321

Data accurate as of5/04/2017

Comparison rate warning Comparison rate calculation is based on a loan of $10,000 over 3 years with fortnightly repayments unless otherwise stated. WARNING: The comparison rates apply only to the example or examples given. Normal lending criteria apply, interest rate is per annum and is variable. 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. All interest rates are subject to change.

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Personal Loan Variable

You can use a personal loan to buy just about anything; a new boat, renovations, a holiday, even to consolidate existing debt.

Overview

Minimum loan amount$3,000

Maximum loan amount$60,000

Minimum term (years)1 Year

Maximum term (years)5 Years

Advertised rate12.95%

Comparison rate13.54%

Monthly repayments (approx)$343

Total repayments (approx)$12,363

Total interest repayments (approx)$2,363

Rate typeVariable

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$0

Application / establishment fee$200

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$15

For debt consolidation?No

Sponsored No

Telephone13 29 30

Data accurate as of9/04/2016

Comparison rate warning Terms, conditions, fees, charges and lending policies apply. Comparison rate calculated on an unsecured or secured loan amount of $30,000 over 5 years based on monthly repayments. 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.

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My Personal Loan

Personal Loans available for any worthwhile purpose. Take advantage of competitive interest rates, flexible payment options and no penalty for early payout.

Overview

Minimum loan amount$1,000

Maximum loan amount$50,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate12.85%

Comparison rate13.55%

Monthly repayments (approx)$339

Total repayments (approx)$12,224

Total interest repayments (approx)$2,224

Rate typeVariable

Secured or unsecuredUnsecured

Security required No

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$0

For debt consolidation?Yes

Sponsored No

Telephone13 15 63

Data accurate as of9/04/2016

Comparison rate warning Comparison rate calculated on an unsecured loan of $30,000 for a term of 5 years, repaid monthly. 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.

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Personal Loan Variable Secured

Whether it’s that home theatre, boat, furniture or computer that you’ve been thinking of, our personal loan can help make your dreams come true.

Overview

Minimum loan amount$3,000

Maximum loan amount$60,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate12.95%

Comparison rate13.58%

Monthly repayments (approx)$339

Total repayments (approx)$12,230

Total interest repayments (approx)$2,230

Rate typeVariable

Secured or unsecuredSecured

Security required Yes

Encumberance/REVVS check fee$20

Application / establishment fee$90

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

Telephone13 63 73

Data accurate as of4/04/2017

Comparison rate warning 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. Comparison rate for the personal loan (unsecured) has been calculated on an unsecured loan amount of $10,000 over a term of 3 years. Comparison rate for the personal loan (secured) has been calculated on a secured loan amount of $10,000 over a term of 3 years.

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Personal Loan Variable Unsecured

Whether it’s that home theatre, boat, furniture or computer that you’ve been thinking of, our personal loan can help make your dreams come true.

Overview

Minimum loan amount$3,000

Maximum loan amount$60,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate12.95%

Comparison rate13.58%

Monthly repayments (approx)$339

Total repayments (approx)$12,230

Total interest repayments (approx)$2,230

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 facilityNo

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$0

For debt consolidation?Yes

Sponsored No

Telephone13 63 73

Data accurate as of4/04/2017

Comparison rate warning 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. Comparison rate for the personal loan (unsecured) has been calculated on an unsecured loan amount of $10,000 over a term of 3 years. Comparison rate for the personal loan (secured) has been calculated on a secured loan amount of $10,000 over a term of 3 years.

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Secured Personal Loan (Variable)

Bring your next dream purchase a little closer with a Secured Personal Loan.

Overview

Minimum loan amount$3,000

Maximum loan amount$80,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate12.74%

Comparison rate13.62%

Monthly repayments (approx)$342

Total repayments (approx)$12,331

Total interest repayments (approx)$2,331

Rate typeVariable

Secured or unsecuredSecured

Security required Yes

Encumberance/REVVS check fee$10

Application / establishment fee$195

Other Fees & Information

Monthly fee$9

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$150

Missed payment fee$9

For debt consolidation?No

Sponsored No

Telephone13 33 30

Data accurate as of11/04/2016

Comparison rate warning The comparison rate is based on a loan of $30,000 and 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.

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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!