The Finder Personal and Car Loan Awards 2024 recognise Australia's best personal loans and car loans. Using 12 months of market data and a robust methodology, Finder's experts analyse the rates and fees for every personal and car loan in our database to determine the best loans in 5 categories.
Finder Secured Personal Loan 2024 winners
Pepper Money's Secured Personal Loan won the Secured Personal Loan Award this year. The main reason this loan won is because of its consistently low interest rates. But the lack of any application fee or monthly service fee was also a major point in its favour.
Highly commended
Now Finance's Secured Personal Loan was one of the strongest performers in this year's Secured Personal Loan Award. The loan has a very strong combination of a low rate and no fees.
Illawarra Credit Union's Secured Fixed Personal Loan (New) has very competitive interest rates and low fees, making it one of the stronger offers on the market.
Finder Unsecured Personal Loan 2024 winners
Just like in the secured personal loan category, Pepper Money took out the Unsecured Personal Loan Award in 2024. Pepper Money's Unsecured Personal Loan boasts similarly low rates and no fees, putting it in the top spot.
Highly commendedNow Finance's Unsecured Personal Loan also finishes a close second in the Unsecured Personal Loan Award this year. And again, the loan has interest rates consistently below most competitors on the market, plus no fees.
ING's Personal Loan has very low rates and low fees, including no ongoing fees. This puts it ahead of most offers on the market.
Finder New Car Loans 2024 winners
MacArthur Credit Union's New Car Loan won Finder's 2024 New Car Loan Award because it has one of the market's lowest interest rates, no ongoing fees and a low application fee.
Highly commended
Horizon Bank's New Car Loan was a strong contender in the New Car Loan category. It has a very low fixed interest rate and while it does have an application fee it has no ongoing fees.
BCU's Car Loan is available for new cars and has a low interest rate. It does have a one-off establishment fee but no ongoing fees.
Finder Used Car Loans 2024 winners
BCU's Car Loan is also available for cars up to 5 years old. And in the Used Car Loan award it took out the top spot in 2024 due to its low rate and low fees.
Highly commended
Gateway Bank's Car Loan – up to 5 years old has one of the lowest used car rates around and only has a one-off establishment fee. This put it in a very strong position for this year's Car Loan Awards.
The People's Choice Discounted Personal Loan (Car Loan) has a competitive interest rate and no ongoing fees. That's why it scored highly in this award category. However, it does have an establishment fee.
Finder Electric Vehicle Car Loans 2024 winners
The winner of Finder's 2024 Electric Vehicle Car Loan Award is Community First's Green Car Loan. It offers competitive interest rates (fixed or variable) and lower-than-average fees.
Highly commendedThe People's Choice CU Green Car Loan boasts both a low interest rate and no ongoing fees, putting it in a strong position in the Electric Vehicle Car Loans Awards this year.
RACV's Green Car Loan has a competitive fixed interest rate and no ongoing fees.
Full Personal and Car Loan Awards methodology
Our Personal and Car Loan Awards winners are based on 200+ hours of research by our expert authors and insights team.
We researched hundreds of Australia's most popular personal and car loans from the biggest banks to the smallest online lenders.
Some winners may be partners but this never influences our decisions. All loans are based on a clear methodology and must meet editorial standards.
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