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Finder Personal & Car Loan Awards 2023

Recognising Australia’s best personal loans through comprehensive, objective analysis.

The Finder Personal Loan Awards 2023 celebrate Australia's best personal loans. Using 12 months' worth of data, Finder's experts have analysed the rates, fees and offer details for every personal loan in our database. Check out the winners for best personal loans below.

Finder Awards LogoFinder Car Loan 2023 Winners

Beyond Bank Car Loan

Beyond Bank Low Rate Car Loan "Special Offer"

The winner of the Car Loan Awards 2023 is Beyond Bank Australia. Its car loan offers fixed repayments for the length of the loan, flexible loan terms of up to 7 years and a maximum value of $125,000. You can make additional repayments, redraw for free and pay off the loan early without being charged early repayment fees.

Personal and Car loan methodology

Youi car insurance

IMB New Car Loan

The IMB car loan comes in 2nd place for the best car loan of 2023. It has a strong interest rate and no account-keeping fees, meaning your repayments remain low. You can also make additional repayments towards the loan and pay off the loan early without early repayment fees.

Heritage Bank

Heritage Bank Car Loan

Heritage Bank's car loan comes with a low fixed rate with low account fees, offering you certainty on how much you'll pay each month. Whether you finance a new or a used car, Heritage Bank could finance 100% of the value.

Finder Awards LogoFinder Unsecured Personal Loan 2023 Winners

Now Finance Unsecured Personal Loan

Now Finance Unsecured Personal Loan

If you want to take out an unsecured personal loan, you can't do much better than NOW Finance. With customised interest rates and zero fees, it's a simple solution for any worthwhile purchase. With limits from $5,000 to $50,000 put into your account within 2 days of application, you can book a holiday, buy a vehicle or consolidate your existing debt.

Personal and Car loan methodology

Youi car insurance

ING unsecured Personal Loan

With some of the cheapest personal loan interest rates on the market, the ING unsecured personal loan deserves to be in 2nd place. You can borrow from $5,000 to $60,000 depending on your loan term, with zero ongoing fees, fast access to funds and early repayment options.

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Harmoney Personal Loan

Borrow from $2,000 to $70,000 with a Harmoney unsecured personal loan and pay no ongoing fees during the life of the loan. Your interest rate will be personalised to your circumstances and with the fixed rate your repayments will remain the same over the life of the loan.

Finder Awards LogoFinder Secured Personal Loan 2023 Winners

Now Finance Unsecured Personal Loan

Now Finance Secured Personal Loan

NOW Finance's Secured Personal Loan has taken out the top spot for the best secured personal loan. With strong, personalised interest rates, zero establishment or monthly fees and flexible loan terms, this was a clear winner. NOW Finance also offers personalised service, with an allocated personal advisor offered to borrowers.

Personal and Car loan methodology

IMB Personal Loan

IMB Secured Personal Loan

IMB's secured personal loan ranked in second-place. It has a competitive interest rate and no monthly fees to consider. While repayments are fixed, you can make additional repayments and pay off the loan early without incurring any additional costs.

Heritage Bank

Bank of Melbourne Fixed Secured Personal Loan

With low, personalised interest rates the Bank of Melbourne secured personal loan comes in 3rd place. As it's a fixed loan, your repayments will remain the same and you can choose to pay weekly, fortnightly or monthly depending on what works best for you.

Why you can trust our awards

expert advice

Expert analysis

Our personal loan award winners are based on 200+ hours of research by our expert authors and insights team.


They're comprehensive

We researched hundreds of Australia's most popular personal loans from the biggest banks to the smallest online lenders.


They're independent

Some winners may be partners but this never influences our decisions. All loans are based on a clear methodology and must meet editorial standards.

Meet our experts

Richard Fairbairn personal loans publisher

Richard Fairbairn

Associate Publisher, Personal Loans

Richard is Finder's personal loans publisher. He oversaw the scoring of all the features we analyse and determining the award winners.
Saranga Sudarshan awards analyst

Saranga Sudarshan

Insights Analyst, Finder Awards

Saranga is responsible for gathering the data that fuels the Finder Awards. He ensures our winners are based on facts, not biases.
Rebecca Pike senior writer money

Rebecca Pike

Senior Writer, Money

Rebecca is Finder's money expert. She has been writing about lending in Australia for more than 5 years.

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