Finding the best rates…
Compare Personal Loans - From 6.19%
Personal Loan Rates From Australia's Top Lenders.
100% Australian data. Always free to use.
Lender
Rate
Borrow
Fees
Repayment
Monthly repayment includes principal & interest, plus any ongoing monthly fees charged by the lender.
Action
ING
Ing Personal Loan
Fixed Same-Day
Rate
6.19%–19.99%
Fixed Rate
Advertised rate range. Your actual rate depends on your credit history, loan amount, and term.
7.03%–20.78%
Comparison Rate
The comparison rate includes the interest rate plus most fees and charges, giving you a truer cost of the loan.
Min$5k
Max$60k
$199
Establishment fee
+ $8/mo
Repaymentto
$396
at 6.19%
$23,985 total
$538
at 19.99%
$32,465 total
over 5 years
St.George Bank
Secured Fixed Personal Loan
Fixed
Rate
6.49%–12.99%
Fixed Rate
Advertised rate range. Your actual rate depends on your credit history, loan amount, and term.
7.90%–14.34%
Comparison Rate
The comparison rate includes the interest rate plus most fees and charges, giving you a truer cost of the loan.
Min$10k
Max$130k
$250
Establishment fee
+ $15/mo
Repaymentto
$406
at 6.49%
$24,624 total
$470
at 12.99%
$28,448 total
over 5 years
BankSA
Secured Fixed Personal Loan
Fixed
Rate
6.49%–12.99%
Fixed Rate
Advertised rate range. Your actual rate depends on your credit history, loan amount, and term.
7.90%–14.34%
Comparison Rate
The comparison rate includes the interest rate plus most fees and charges, giving you a truer cost of the loan.
Min$10k
Max$130k
$250
Establishment fee
+ $15/mo
Repaymentto
$406
at 6.49%
$24,624 total
$470
at 12.99%
$28,448 total
over 5 years
Bank of Melbourne
Secured Fixed Personal Loan
Fixed
Rate
6.49%–12.99%
Fixed Rate
Advertised rate range. Your actual rate depends on your credit history, loan amount, and term.
7.90%–14.34%
Comparison Rate
The comparison rate includes the interest rate plus most fees and charges, giving you a truer cost of the loan.
Min$10k
Max$130k
$250
Establishment fee
+ $15/mo
Repaymentto
$406
at 6.49%
$24,624 total
$470
at 12.99%
$28,448 total
over 5 years
BankSA
Unsecured Variable Personal Loan
Variable Redraw
Rate
7.00%–21.99%
Variable Rate
Advertised rate range. Your actual rate depends on your credit history, loan amount, and term.
8.41%–23.28%
Comparison Rate
The comparison rate includes the interest rate plus most fees and charges, giving you a truer cost of the loan.
Min$2k
Max$50k
$250
Establishment fee
+ $15/mo
Repaymentto
$411
at 7.00%
$24,911 total
$567
at 21.99%
$34,286 total
over 5 years
St.George Bank
Unsecured Fixed Personal Loan
Fixed
Rate
7.00%–21.99%
Fixed Rate
Advertised rate range. Your actual rate depends on your credit history, loan amount, and term.
8.41%–23.28%
Comparison Rate
The comparison rate includes the interest rate plus most fees and charges, giving you a truer cost of the loan.
Min$2k
Max$50k
$250
Establishment fee
+ $15/mo
Repaymentto
$411
at 7.00%
$24,911 total
$567
at 21.99%
$34,286 total
over 5 years
NAB
Nab Personal Loan
Fixed & Variable Redraw
Rate
7.00%–21.00%
Fixed & Variable
Advertised rate range. Your actual rate depends on your credit history, loan amount, and term.
8.05%–21.88%
Comparison Rate
The comparison rate includes the interest rate plus most fees and charges, giving you a truer cost of the loan.
Min$5k
Max$55k
$250
Establishment fee
+ $15/mo
Repaymentto
$411
at 7.00%
$24,911 total
$556
at 21.00%
$33,614 total
over 5 years
Westpac
Unsecured Personal Loan
Fixed Same-Day
Rate
7.00%–21.99%
Fixed Rate
Advertised rate range. Your actual rate depends on your credit history, loan amount, and term.
8.41%–23.28%
Comparison Rate
The comparison rate includes the interest rate plus most fees and charges, giving you a truer cost of the loan.
Min$4k
Max$50k
$250
Establishment fee
+ $15/mo
Repaymentto
$411
at 7.00%
$24,911 total
$567
at 21.99%
$34,286 total
over 5 years
St.George Bank
Unsecured Variable Personal Loan
Variable Redraw
Rate
7.00%–21.99%
Variable Rate
Advertised rate range. Your actual rate depends on your credit history, loan amount, and term.
8.41%–23.28%
Comparison Rate
The comparison rate includes the interest rate plus most fees and charges, giving you a truer cost of the loan.
Min$2k
Max$50k
$250
Establishment fee
+ $15/mo
Repaymentto
$411
at 7.00%
$24,911 total
$567
at 21.99%
$34,286 total
over 5 years
CommBank
Unsecured Fixed Rate Personal Loan
Fixed Same-Day
Rate
7.00%–22.00%
Fixed Rate
Advertised rate range. Your actual rate depends on your credit history, loan amount, and term.
8.05%–22.88%
Comparison Rate
The comparison rate includes the interest rate plus most fees and charges, giving you a truer cost of the loan.
Min$4k
Max$50k
$15/mo
Ongoing
Repaymentto
$411
at 7.00%
$24,661 total
$567
at 22.00%
$34,043 total
over 5 years
CommBank
Unsecured Variable Rate Personal Loan
Variable Redraw Same-Day
Rate
7.00%–22.00%
Variable Rate
Advertised rate range. Your actual rate depends on your credit history, loan amount, and term.
8.05%–22.88%
Comparison Rate
The comparison rate includes the interest rate plus most fees and charges, giving you a truer cost of the loan.
Min$4k
Max$50k
$15/mo
Ongoing
Repaymentto
$411
at 7.00%
$24,661 total
$567
at 22.00%
$34,043 total
over 5 years
Bank of Melbourne
Unsecured Fixed Personal Loan
Fixed
Rate
7.00%–21.99%
Fixed Rate
Advertised rate range. Your actual rate depends on your credit history, loan amount, and term.
8.41%–23.28%
Comparison Rate
The comparison rate includes the interest rate plus most fees and charges, giving you a truer cost of the loan.
Min$2k
Max$50k
$250
Establishment fee
+ $15/mo
Repaymentto
$411
at 7.00%
$24,911 total
$567
at 21.99%
$34,286 total
over 5 years
Bank of Melbourne
Unsecured Variable Personal Loan
Variable Redraw
Rate
7.00%–21.99%
Variable Rate
Advertised rate range. Your actual rate depends on your credit history, loan amount, and term.
8.41%–23.28%
Comparison Rate
The comparison rate includes the interest rate plus most fees and charges, giving you a truer cost of the loan.
Min$2k
Max$50k
$250
Establishment fee
+ $15/mo
Repaymentto
$411
at 7.00%
$24,911 total
$567
at 21.99%
$34,286 total
over 5 years
BankSA
Unsecured Fixed Personal Loan
Fixed
Rate
7.00%–21.99%
Fixed Rate
Advertised rate range. Your actual rate depends on your credit history, loan amount, and term.
8.41%–23.28%
Comparison Rate
The comparison rate includes the interest rate plus most fees and charges, giving you a truer cost of the loan.
Min$2k
Max$50k
$250
Establishment fee
+ $15/mo
Repaymentto
$411
at 7.00%
$24,911 total
$567
at 21.99%
$34,286 total
over 5 years
ANZ
Anz Variable Rate Personal Loan
Variable Redraw
Rate
7.49%–19.99%
Variable Rate
Advertised rate range. Your actual rate depends on your credit history, loan amount, and term.
8.18%–20.58%
Comparison Rate
The comparison rate includes the interest rate plus most fees and charges, giving you a truer cost of the loan.
Min$5k
Max$75k
$150
Establishment fee
+ $10/mo
Repaymentto
$411
at 7.49%
$24,790 total
$540
at 19.99%
$32,536 total
over 5 years
Bendigo Bank
Bendigo Secured Personal Loan
Fixed Redraw
Rate
7.79%
Fixed Rate
Advertised rate range. Your actual rate depends on your credit history, loan amount, and term.
8.51%
Comparison Rate
The comparison rate includes the interest rate plus most fees and charges, giving you a truer cost of the loan.
Min$2k
Max$50k
$250
Establishment fee
+ $5/mo
Repayment
$409
P&I repayment$404
Monthly fee$5
Total / month$409
/ Month (incl. fees)
$24,761 over 5 years
Westpac
Flexi Loan
Variable Redraw
Rate
18.99%
Variable Rate
Advertised rate range. Your actual rate depends on your credit history, loan amount, and term.
18.99%
Comparison Rate
The comparison rate includes the interest rate plus most fees and charges, giving you a truer cost of the loan.
Min$4k
Max$50k
$150
Establishment fee
+ $12/mo
Repayment
$531
P&I repayment$519
Monthly fee$12
Total / month$531
/ Month (incl. fees)
$31,992 over 5 years
ANZ
Anz Fixed Rate Personal Loan
Fixed
Rate
19.99%
Fixed Rate
Advertised rate range. Your actual rate depends on your credit history, loan amount, and term.
20.58%
Comparison Rate
The comparison rate includes the interest rate plus most fees and charges, giving you a truer cost of the loan.
Min$5k
Max$75k
$150
Establishment fee
+ $10/mo
Repayment
$540
P&I repayment$530
Monthly fee$10
Total / month$540
/ Month (incl. fees)
$32,536 over 5 years
Personal Loans in Australia - March 2026
Compare 18 personal loans from 9 lenders. The current lowest rate is 6.19% p.a.
Personal loans offer flexible financing for debt consolidation, home improvements, weddings, and more. Consider factors like interest rate type (fixed vs variable), comparison rate, fees, and early repayment options when choosing your loan.
Common Questions
Personal Loan FAQs
What is the best personal loan rate in Australia?
The lowest personal loan rate currently available is 6.19% p.a. Rates depend on whether you choose a secured or unsecured loan, and your credit history.
What can I use a personal loan for?
Personal loans can fund debt consolidation, home renovations, travel, medical expenses, weddings, or large purchases. Secured options may offer lower rates when you provide an asset as collateral.
How much can I borrow with a personal loan?
Most personal loans range from $2,000 to $75,000. The maximum you can borrow depends on your income, existing debts, credit score, and the lender's criteria.