$10,000 loans

With a 10k loan you can improve your home, go on holiday, get married, buy a car and much more.


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There are a number of $10,000 loans available for applicants with both good and bad credit. These include secured and unsecured loans as well as car loans and business loans and short-term loans.

Compare 10k loans now

1 - 7 of 7
Name Product Mobile details underline Interest Rate (p.a.) Comp. Rate (p.a.) Rate Type Application Fee Monthly Fee Monthly Repayment
OurMoneyMarket Personal Loan Fixed, 1 - 7 Years, $2,001 - $75,000
OurMoneyMarket Personal Loan
1 - 7 Years, $2,001 - $75,000
to 20.99%
to 23.83%
1.50% - 6%
min. $250
You'll receive a fixed rate from 5.25% p.a. to 20.99% p.a. based on your risk profile.
A personalised loan from $2,001 to $75,000 that varies based on your credit history and financial situation.

Finder Exclusive: Apply before 30th of June 2022 to secure a 0.20% p.a. discount for the full term of your loan.
Harmoney Unsecured Personal Loan Fixed, 3 - 7 Years, $2,000 - $70,000
Harmoney Unsecured Personal Loan
3 - 7 Years, $2,000 - $70,000
to 19.09%
to 19.99%
$275 - $575
You'll receive a fixed rate between 5.35% p.a. and 19.09% p.a. based on your risk profile.
Apply for a loan up to $70,000 and repay your loan over 3, 5 or 7 years terms.
NOW Finance No Fee Unsecured Personal Loan Fixed, 18 Months - 7 Years, $5,000 - $50,000
NOW Finance No Fee Unsecured Personal Loan
18 Months - 7 Years, $5,000 - $50,000
to 19.95%
to 19.95%
You'll receive a fixed rate between 5.95% p.a. and 19.95% p.a. based on your risk profile
Borrow from $5,000 to $7,999 with loan terms between 18 months and 3 years or borrow $8,000 to $50,000 with loan terms between 18 months and 7 years.

Finder Exclusive: Apply and settle an unsecured personal loan of $30,000 or more to receive a $400 Westfield gift card. Ends on June 30 2022.
Plenti Personal Loan Fixed, 3 - 7 Years, $5,000 - $50,000
Plenti Personal Loan
3 - 7 Years, $5,000 - $50,000
to 21.99%
to 22.79%
$0 - $649
You'll receive a fixed rate between 6.39% p.a. and 21.99% p.a. based on your risk profile.
A flexible loan with amounts from $5,000 and terms starting from 3 years. Interest and comparison rates calculated for a loan term of 5 years.
Latitude Personal Loan Fixed or Variable, 2 - 7 Years, $5,000 - $70,000
Latitude Personal Loan
2 - 7 Years, $5,000 - $70,000
to 25.99%
to 29.20%
Fixed or Variable
0% - 5%
You'll receive a fixed or variable rate between 5.75% p.a. and 25.99% p.a. based on your risk profile
Apply for what you need from $5,000 and use it for a range of purposes. Repay weekly, fortnightly or monthly. You can check your interest rate before applying with no impact to your credit score.
Citi Personal Loan Plus Variable, 3 - 5 Years, $5,000 - $75,000
Citi Personal Loan Plus
3 - 5 Years, $5,000 - $75,000
You'll receive a variable rate of 8.90% p.a. with a comparison rate of 9.18% p.a. if you're approved.
A credit limit up to $75,000 that you can continue to draw down over terms up to 5 years.

Special offer: Monthly account service fee will be waived for applications submitted before 28 December 2022.
Plenti Variable Rate Personal Loan Variable, 1 - 3 Years, $5,000 - $50,000
Plenti Variable Rate Personal Loan
1 - 3 Years, $5,000 - $50,000
to 21.99%
to 22.79%
$0 - $649
You'll receive a variable rate from 6.39% p.a and 21.99% p.a. based on your risk profile
A flexible loan with amounts from $5,000 and terms starting from 12 months. Benefit from transparent costs and a rate estimate before you apply.

Compare up to 4 providers

What to consider before applying for a $10,000 loan

There are a number of $10,000 loans you can apply for. These include personal loans – both secured and unsecured – and car loans. For business purposes, there are also business loans. Payday lenders also offer loans for $10,000, although these are significantly more expensive.

You may find that lenders "personalise" their rates. These rates vary based on factors including credit scores, financial history, loan amount, loan term and asset ownership. Borrowers with a bad credit history will usually be charged a higher interest rate than borrowers with good credit.

Borrowers with good credit will also generally have more options than borrowers with bad credit. If you have good credit, you can apply with a traditional lender like a bank and receive lower rates and fees. Your bank may also offer you same-day funding if you're an existing customer. How much you can borrow will depend on your income and financial circumstances as well as security offered, if any.

If your credit score isn't great, you should probably consider improving your credit score before applying for a loan. Lenders that cater to borrowers with bad credit are usually payday or short-term lenders. The loan terms are usually short, ranging up to 2 years, and the interest rate is very high.

Types of $10,000 loans

  • Personal loans
  • With a personal loan, you can get access to funding to pay for a variety of large purchases or expenses. These can include medical bills, home renovations, weddings or holidays.These loans can either be secured or unsecured. For a secured loan, you could use home equity or your car as collateral. Some lenders also allow for jewellery or term deposits.The amount you can borrow varies from $2,000 up to $100,000, depending on the type of loan. Secured loans usually have higher borrowing limits than unsecured loans.These loans are also less risky for lenders as they can use the asset to recoup their losses if you default. Because of this, the lending criteria tend to be more flexible than with unsecured loans. But secured loans come with the risk of losing your asset in case you default.If your credit score isn't up to scratch, you can increase your chances of approval by offering security or applying with a guarantor. You should always check if you meet the eligibility criteria before applying.
  • Car loans
  • Car loans can be either secured or unsecured, and loan funds will be limited to the purchase of the car. If you're looking for a loan that allows you to do more with the funds, you should consider a personal loan instead.Borrowers with bad credit could increase their chances of approval by going for a secured car loan. With a secured loan, the lender's risk of borrowing is reduced. This is because they can repossess the asset to cover the cost of lending. With secured loans, there is always the risk of losing the asset if you're unable to meet your repayments.
  • Business loans
  • If you're looking to borrow for business purposes, you should consider a business loan.These loans typically come with higher borrowing limits than personal loans. Loan amounts vary from $5,000 up to $100,000,000.You could opt for either a secured or unsecured business loan. How much you can borrow will depend on the lender, the type of business loan, your annual turnover, your company's credit rating and the purpose of the loan. You could secure a higher loan amount with a deposit or security. These loans are available to both established businesses and startups.If your business credit history has some blemishes, there are lenders who are willing to look past it if your business is financially stable. You may not require an asset to secure the loan, as you may be able to secure finance against unpaid invoices.Borrowers with bad credit are likely to be charged a higher rate than borrowers with good credit. This is the case even if you apply with security, a guarantor and/or steady finances. You should make sure you can afford the repayments before applying for a loan.
  • Payday loans
  • Payday loans are a type of short-term finance with limited borrowing amounts and short terms. These lenders usually have a more relaxed lending criteria, with some specialising in lending to borrowers with bad credit. Although these loans are easy to apply for and obtain, they are an expensive option. If you're looking to borrow $10,000, you can expect to be charged interest up to 48% of the loan principal. Loan terms are also short, sometimes up to 2 years. Given how expensive this type of finance is, you should only apply in case of emergencies.

How can I compare $10,000 loans?

There are a few things to look out for while comparing $10,000 loans. You should keep in mind the following when making comparisons:

  • Comparison rate. The comparison rate is the true cost of the loan. This is displayed as a percentage. It includes the interest rate and other fees and charges that come with the loan. The comparison rate is often higher than the interest rate and is how much you will actually pay for the loan.
  • Interest rate. This is what the lender will charge you for borrowing. It is displayed as a percentage of the total amount loaned. By comparing between lenders, you can find a loan with a competitive rate.
  • Type of interest. Some loans charge fixed interest, while others charge variable interest. Fixed interest, as the name suggests, is when your interest rate remains the same every month. Repayments are easy to predict with these loans. With a variable rate, there can be monthly fluctuations based on the market rate. It may be lower some months and higher for others.
  • Fees. Most loans will charge establishment fees and monthly fees. These are usually included in the comparison rate. There may be other fees to consider, too. These include fees for making extra repayments or exiting the loan early. If these features are important for you, you should consider them in your comparison.
  • Loan terms. This is the length of the loan or how long you have to pay back the loan. Loan terms can range up to 7 or 10 years for personal loans, longer for business loans or up to 2 years for payday loans. You need to ensure that you can repay the loan within the given term. In some cases, a longer term may mean lower monthly repayments. But this can cost you more in the long run as you'll be paying interest.
  • Asset requirements. Some loans require an asset as collateral. Before you apply for the loan, you need to check if your asset meets the lender's requirements. This can be the age of your car or how much you currently have in your term deposit.
  • Repayment flexibility. Some lenders may give you the flexibility to choose your repayment schedule. This allows you to make your repayments in line with your pay and not find yourself out of pocket.
  • Loan purpose. It's important to find a loan that matches your loan purpose. A car loan, for instance, cannot be of much use if you have medical expenses. Likewise, a business loan is better suited for business rather than personal purposes.
  • Turnaround time. If you need quick funding, you should also look into how long the lender takes to process the loan and provide funding.

How can I calculate how much my repayments will be for a $10,000 loan?

Before applying for any loan, you should calculate the repayments and see if you can afford the loan. Loan repayment calculations can help you factor the cost of the loan into your lifestyle and budget.

Loan Repayment Calculator

*Whilst every effort has been made to ensure the accuracy of this calculator, the results should only be used as an indication. They are neither a recommendation nor an eligibility test for any product and should not be construed as financial advice, investment advice or any other sort of advice.

What are the risks of payday loans?

  • High fees and charges. Payday loans of $10,000 come with fees and charges up to 48% of the loan amount. There are also fees for late payments. These fees are regulated by ASIC and it's illegal for lenders to charge more. You should ensure you can repay the loan with ease before applying.
  • Short terms. These loans come with a relatively short term of up to 2 years, but it can be more. If you don't repay the loan within this period, you could incur default fees, which can be up to 200% of what you borrowed.
  • Inflexible loan terms. Most lenders will ask you to repay the loan on the next payday. They could deduct the funds directly from your account.
  • Disreputable lenders. Check the lender's website and make sure it's a reputable company. You should ensure it is registered with ASIC. They should also be easy to contact.
  • Long-term repercussions and legal issues. Once you sign a loan agreement, you are bound to its conditions. You will have to pay the loan and all the fees and payments. Typically, these are unsecured loans. This means the lender can initiate legal proceedings against you if you do not repay the loan. It can also report the debt to a credit reporting body like Equifax and use the services of a debt collector.
  • Multiple applications. Every loan application shows up on credit reports. Some payday lenders may not consider your credit history. But several applications within a short period can have a negative impact on your credit score. This can make it harder for you to get a loan in the future.
  • More debt. Given how expensive these loans are, they could potentially lead to more debt if you can't meet your repayments. Late or non-repayments could lead to more fees, which has the potential to spiral out of control.

Other brands you can consider for a bad credit loan up to $10,000

LenderLoan amountRepaymentsCriteriaFind out about products
MoneyMe$500 to $50,000Repayment terms of between 1 month and 5 years are available depending on how much you borrow.You'll need to be over 18, an Australian resident and currently employed. A good credit history will help your application.
Fair Go Finance$2,050 to $5,000Loan terms up to 2 years.You'll need to be earning at least $500 a week and be 18 years old, a permanent Australian resident and in regular paid employment.

How can I apply for a $10,000 loan?

  • Compare lenders. Look at the fees, terms and eligibility criteria and find a loan that suits you.
  • Once you've settled on a lender from Finder's comparison table, click "Go to site" to visit the lender's website.
  • You can submit an online application. Keep all the documents required handy. This will speed up the process.

More guides on Finder

Personal Loan Offers

Important Information*
Logo for Harmoney Unsecured Personal Loan
Harmoney Unsecured Personal Loan

You'll receive a fixed rate between 5.35% p.a. and based on your risk profile.
Apply for a loan up to $70,000 and repay your loan over 3, 5 or 7 years terms.

Logo for ANZ Fixed Rate Personal Loan
ANZ Fixed Rate Personal Loan

You'll receive a fixed rate of 8.99% p.a.
Apply for up to $50,000 to use for a variety of purposes without needing to add security. Available to self-employed applicants.

Logo for NAB Personal Loan Unsecured Fixed
NAB Personal Loan Unsecured Fixed

You'll receive a fixed rate between 6.99% p.a. and 18.99% p.a. ( 7.91% p.a. to 19.83% p.a. comparison rate) based on your risk profile
Borrow from $5,000 to $55,000, with 1 years to 7 years loan terms available. This loan comes with no fees for extra repayments and no early exit fees.

Logo for SocietyOne Unsecured Personal Loan
SocietyOne Unsecured Personal Loan

You'll receive a fixed rate between 5.95% p.a. and 19.99% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Benefit from no ongoing fees and no early repayment fee.

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123 Responses

  1. Default Gravatar
    AndrewApril 2, 2019

    Hi, I urgently need between $6000 and $7500.
    My credit score is around 550, I have a boat that I could use as collateral and possibly a guarantor. I have a full time job. and can afford up to $150 per fortnight. will there be someone who can help me?

    • Avatarfinder Customer Care
      JohnApril 3, 2019Staff

      Hi Andrew,

      Thank you for reaching out to Finder.

      The page offers us a list of lenders that you could reach out to. The loan amount may depend on your qualification to get approved by the loan. Having collateral or a guarantor raises your chances of getting the loan amount you are looking for. Kindly review and compare your options on the table displaying the available providers. Once you have chosen a particular provider, you may then click on the “Go to site” button and you will be redirected to the provider’s website where you can proceed with the application or get in touch with their representatives for further inquiries you may have.

      Before applying, please ensure that you meet all the eligibility criteria and read through the details of the needed requirements as well as the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. Hope this helps!


  2. Default Gravatar
    SarahDecember 6, 2018

    I work full time with a great wage and have been with the company for over 7 years but I have a bad credit due to a bad separation over 7 years ago, am I able to get a car loan?

    • Avatarfinder Customer Care
      JhezDecember 11, 2018Staff

      Hello Sarah,

      Thank you for your comment.

      I am sorry about what happened to your credit record. Anyway, there are lenders that can consider you for a car loan despite you having bad credit. Please refer to our bad credit car loans page. The page will guide you on how to compare car loans for bad credit. Please take note that bad credit car loans usually have higher interest rates than regular loans and will often have higher fees as well.

      After comparing please, click the Go to Site button to apply. Please make sure that you’ve read the relevant T&Cs or PDS of the loan products before making a decision and consider whether the product is right for you.

      Should you wish to have real-time answers to your questions, try our chatbox on the lower right corner of our page.


  3. Default Gravatar
    DorisMay 2, 2018

    how do i apply for a loan

    • Default Gravatar
      NikkiMay 2, 2018

      Hi Doris,

      Thanks for your message and for visiting finder – the leading comparison website & general information service built to give you advice in your buying decision needs. How are you doing today?

      Tips on being approved if you have bad credit

      Review the eligibility criteria: Do this before you apply to make sure you are eligible. Look for things like minimum income, employment requirements, etc.
      Submit all necessary documents: Check what documents are needed and make sure you are able to send everything that is required.
      Consider a joint application or guarantor: This can help get your application across the line.

      Once you’re all set, you can choose the lenders on the page provided.

      Hope this helps! Feel free to message us anytime should you have further questions.


  4. Default Gravatar
    ChrisApril 30, 2018

    I’m looking for a loan of about $10,000 so I can pay for my wife’s visa and unfortunately I’m still in my part 9 with only a year to go.

    • Default Gravatar
      NikkiApril 30, 2018

      Hi Chris,

      Thanks for your message and for visiting finder – the leading comparison website & general information service built to give you advice in your buying decision needs. How are you doing today?

      You can take out a loan even if you have bad credit, however, this would be with non-traditional lenders.

      Before you even apply for a loan, review the eligibility criteria you need before you apply to make sure you are eligible. Look for things like minimum income, employment requirements, etc.

      Make sure that you submit all necessary documents. Check what documents are needed and make sure you are able to send everything that is required. You may also consider a joint application or guarantor. This can help get your application across the line.

      There are usually certain requirements you’ll need to meet and you may be required to secure the loan with an asset. Some lenders may also allow you to submit a joint application if you don’t meet the criteria, so find out about all the options you have to help your chances of being approved. The interest rate on these loans is usually set on an individual basis.

      You can choose from the lender’s list in the information above. Hope this helps! Feel free to message us anytime should you have further questions.


  5. Default Gravatar
    LukeMarch 20, 2018

    I need a loan of 10000 to 15000 i am currently unemployed as i have a broken neck and my credit score is 666 i have a guarantor to help this along. But dont know who would be the best to go through someone please help me

    • Default Gravatar
      NikkiMarch 26, 2018

      Hi Luke!

      Thanks for your questions and for contacting finder.

      Sorry to hear that you’re unable to work. Hope you get better soon!

      No need to worry as we have guarantor loans available for your review. A guarantor loan is asking someone to guarantee your loan and to take on your debt if you default on your loan. If you agree to go guarantor on someone’s loan, you become legally responsible for the debt if they become unable to manage their repayments.

      If you are a guarantor and you apply for further credit of your own, you will need to list the guarantee on your application. You may also have put up an asset to guarantee someone’s loan, such as equity in your home or a car, and you will no longer be able to use that asset as your own collateral for credit.

      Hope you find this information useful.

      Thanks and best regards,


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