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How do personal loan brokers work?
Personal loan brokers will work with you to find the right personal loan.
They can help you with the full range of personal loan products offered by lenders for any loan purpose. That includes debt consolidation loans, holiday loans, renovation loans or car loans.
Personal loan brokers search for a loan within their lending panel. This is a set group of lenders that they deal with.
Instead of applying directly with a lender, you apply for a loan via the broker instead. Most personal loan brokers offer online applications and loan management, so there is no need to book an appointment or sign and post documents, which can save you time.
Are personal loan brokers worth considering?
Personal loan brokers, like mortgage brokers, work with you to find the best personal loan for your circumstances.
This means that as well as helping you find the best cost, they'll make sure you fit the eligibility criteria, that it's suited to your loan purpose and you have the features you may need.
While it can be helpful to have a professional ensure you find a good deal, you should keep in mind that your own personal loan comparison can be quick, easy, and free.
Personal loans aren't really as complex as products like home loans, so comparing personal loans on a comparison site like Finder is usually enough.
If you have a more complex loan purpose, non-standard forms of income or you're worried about your credit score, you might be more comfortable using a personal loan broker. They will have more knowledge of lender criteria and may be able to get you a lower rate.
What are the pros and cons of using a personal loan broker?
Pros
Convenience. Rather than only comparing the market yourself, a personal loan broker can do some of the legwork, (though you should still try to do at least some of your own research). You'll also have the benefit of a single contact for the total term of your loan.
They are experts in their field. A broker is usually required to have either a Certificate IV in Finance and Mortgage Broking (FNS40815), a Diploma of Finance and Mortgage Broking Management (FNS50315) or a Bachelor of Business (Financial Planning) making them experts in their field.
They are obliged by ASIC to protect your interests. Brokers have to have an Australian credit licence under the National Consumer Credit Protection Act 2009 in order to provide credit assistance. This means that they have an obligation to find you the best terms possible for your circumstances.
They tailor their options. A broker can help to find you the best loan option for your unique circumstances.
Can help bad credit applicants. Brokers may be particularly useful if you have a poor credit score or trouble meeting the standard lending requirements at larger financial institutions.
Can help you maintain your score. Using a broker can help you maintain a good credit score by preventing unnecessary applications and potential rejections from multiple lenders. Brokers have a good understanding of different lending requirements of various lenders, so they won’t recommend products that you are likely to be rejected for.
Cons
A broker's interests may not align with yours. Despite ASIC's measures to protect consumers from being given bad financial advice, brokers still generally work on a commission basis. This means that some brokers may be inclined to direct you towards the lender paying the highest commission, rather than the one that would give you the best deal.
You may have to pay a broker fee. While most brokers work on commission from lenders, some may charge you for their services. On the plus side, while this will incur a cost to you, it could put your mind at rest that you are not being steered towards a higher charging lender.
Some lenders don't work with personal loan brokers. Not all lenders choose to work with brokers. This could mean that there are better deals on the market than those that your broker has access to. This is why it's important to also do your own market research.
Brokers cannot guarantee your rate. Brokers can accurately estimate your rate, fees, etc. for a certain loan, but they cannot guarantee them for you. Lenders still have the right to charge you more based on their view of your financial viability.
Don't use a broker if you only need a small loan amount to avoid using a credit card, then a broker isn't suitable for you. Loan brokers often have different minimum loan amount requirements to the lenders themselves. Some credit unions and smaller banks will lend as little as $2,000 unsecured, whereas brokers typically won't deal with less than $5,000.
How to find a good broker
Loans offered. Make sure the broker you are considering offers the type of loan that you require.
Type of interest. Most brokers offer fixed interest loans only.
Loan conditions. Can you pay the loan out sooner, make additional repayments or redraw on overpaid amounts? Make sure you can access these services without having to pay a fee.
Lending panel. This is the group of lenders from which your broker will choose a loan. The bigger the panel, the greater the chance of you getting the best deal available.
How they work. Some brokers operate almost entirely online, whereas others use the more traditional phone, fax and mail. Make sure you’re comfortable with whichever system your broker uses.
Funding time. Brokers have different speeds at which they are able to approve and fund your loan. If you are in a hurry, an online-based broker should be able to approve your loan faster than a paper-based one.
Customer service. You will be dealing with the broker for the term of your loan, so make sure you are happy with the level of service they provide. Call them to see how long it takes to get an answer and find out what kind of support they offer.
What to avoid with personal loan brokers
A small lending panel. The more lenders your broker has access to, the better your chance of getting the best loan available. Make sure your broker compares a large range of options, otherwise you might as well just do it yourself.
Commissions. There isn’t anything wrong with a broker being paid a commission, just be sure of what the commissions are and how they affect the broker’s recommendations. Less honest brokers might push lenders that pay them higher, rather than the ones that offer the best option for you.
Fees and charges. Understand the fees and charges that you will have to pay. Ensure that they are all clearly explained to you before you commit to your broker and the loan. It may be worth doing a quick comparison with your current bank, just to get an idea of what you could get without assistance.
Australians borrowing more
According to the ABS, in the 3 months to June 2025 Australians borrowed $9 billion in personal loans. That's a 16.8% increase on the amount borrowed in the same 3 months the previous year.
Compare rates yourself By visiting a range of lender websites, you can get an idea of what different lenders are charging, what their eligibility criteria are and how much you can borrow.
However, this is time consuming and could be confusing for prospective loan customers who aren't sure where to look.
Compare the options in the table above At Finder, we compare the market so that you don't have to. You can compare interest rates and fees in the table of lenders above to find a loan that suits you.
For more information on the eligibility criteria involved in the loans, available loan amounts, features and fees of each loan, simply click "More info". Or, to be securely routed to the lender's website directly to submit an application, simply click "Go to site".
Why compare personal loans with Finder?
Addicted to details. We know taking out a personal loan is something you'll be hooked up with for a while. That's why we put hours into research for this guide (and still do at least once a month)
Rates obsessed. Lenders come in all shapes and sizes, that's why we don't just track the big banks, but all the digi folk too. Pretty much everyone but your parents to be honest.
Cash for whatever you need. Lending rates verified from 180+ products day and night. Whether you're buying a car, rennovating your home or heck just ready to let loose with the spending - we got you.
Frequently asked questions about personal loan brokers?
You may have to pay a monthly fee for using a personal loan broker, but you can try to negotiate this down when signing up for the service. All brokers make money through commissions, which are paid to them by the lenders they recommend. This is not directly added to the cost of your loan or interest rate.
Selecting the right loan requires analysing the application fees, monthly fees and interest rate. If you don't have time to compare personal loans, using a broker could save you a considerable amount of money over the life of the loan.
Brokers offer products from lenders that are within their lending panel, that is, lenders that they have a relationship with. If your current bank is within the broker's lending panel and it offers a competitive product, then yes, you might end up borrowing from your current bank. However, your broker should be looking for the best value option for you.
This will depend on the terms and conditions of your contract. Make sure you read and understand all of them before you sign on the dotted line. You will generally need to cancel the loan and take out a fresh one if you wish to change brokers.
Yes, you can use a broker to help you find and apply for a personal loan. A personal loan broker works with multiple lenders to find a loan that best suits your needs and financial situation. They can save you time by comparing various options and may have access to exclusive deals or rates not available directly to consumers.
Personal loan brokers may charge a fee for their services, but in many cases, they receive a commission from the lender, meaning their services might be free for borrowers. If a fee is charged, it is usually a percentage of the loan amount or a flat fee. It's worth ask about any potential costs upfront before engaging a broker, although they are required by law to be transparent about the commissions and benefits they earn from arranging your loan.
Brokers have access to a wide range of lenders, including specialist lenders who deal with non-conforming traditional loans. For this reason, they can match you with a loan that fits your credit profile and financial needs. This doesn't mean its necesarily easier to get a loan, but you will have access to a wider range of lenders. Brokers may also have relationships with lenders that can help smooth the approval process, especially if you have a complex financial situation.
Brokers do not offer loans directly; instead, they facilitate the process of obtaining a loan by connecting borrowers with lenders. They help you compare loan options, complete the application process and finalise terms, but the actual loan is provided by a financial institution, not the broker.
Elizabeth Barry is an experienced journalist with over 10 years of expertise in personal finance, contributing to outlets like the ABC, Sydney Morning Herald, and 7News. She holds a Master of Arts in Creative Writing and a Bachelor of Arts in Communication from the University of Technology Sydney, and has earned multiple award nominations, including a Highly Commended recognition at the 2017 Lizzies. Elizabeth began her career at Finder in 2013, progressing through roles to become Lead Editor, where she oversaw a wide range of personal finance coverage until 2024.
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Bria Horne was a writer for Finder, with a specialist knowledge of personal loans, car loans and business loans. Originally from the UK, Bria has been a professional personal finance writer in Australia for over 2 years. She has an M.A and B.A in Philosophy and Literature from the University of Sussex, and previously worked on the UK’s leading hospitality publication.
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Hi, I’m looking for a personal loan. Would like someone to give some advice and help please thank you
Finder
SarahSeptember 5, 2023Finder
Hi Tameka,
If you click “Go to site” with the lender in the table that best suits your needs, you can visit their website and get some advice.
At Finder, we provide a range of options for you to consider but we’re not licenced to give personal financial advice. The information in this article may be useful: https://www.finder.com.au/personal-loans
Best of luck!
JamesFebruary 13, 2019
I’m looking for a $15,000 personal loan, can you please show me all the options I have?
NikkiFebruary 14, 2019
Hi James,
Thanks for getting in touch!
You can check our list of personal loans. Please use our table to help you find the lender that suits you. You can click the name of the lender or the “More info” link to be redirected to our review page and learn more about the lender’s loan offer, rates, and requirements as well as the pros and cons of using their loan service. When you are ready, you may then click on the “Go to site” button and you will be redirected to the lender’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. You can also contact the provider if you have specific questions.
Hope this was helpful. Don’t hesitate to message us back if you have more questions.
Best,
Nikki
HughJanuary 19, 2019
Please send me a list of personal loan brokers
Finder
ValJanuary 24, 2019Finder
Hi Hugh,
Thank you for leaving a question. Please check a list of loan brokers featured on our website. On the page provided, you will be able to compare lenders through our comparison table.
You can select the “Go to site” button for more information. Please check eligibility requirements and the T&C prior to applying.
Hope this helps.
Cheers,
Val
ParvizDecember 6, 2018
I am a PhD international student would like to apply for a personal loan up to $10,000 to $20,000, if possible.
Finder
JoshuaDecember 13, 2018Finder
Hi Parviz,
Thanks for getting in touch with Finder. I hope all is well with you. :)
The answer to your question would depend on the criteria of the lender. In general, temporary residents are eligible for personal loans in Australia. However, it’s likely you will have to meet additional criteria in order to be eligible. This may include a higher minimum income requirement. You will also need to be on a certain type of visa, according to the lender’s requirements, and the term of your loan cannot exceed the time left on your visa.
Please refer to our page for personal loans for temporary residents. I recommend that you check the details of the loan, eligibility requirements (Visa, income requirements, etc), and its terms and conditions before you apply. Once you’re ready, you can click on the ‘Go to site’ button and process the application from the main page of the lender.
I hope this helps. Should you have further questions, please don’t hesitate to reach out again.
Have a wonderful day!
Cheers,
Joshua
DougOctober 22, 2018
Lenders who accept Disability Pension &/or guarantor
Finder
JohnOctober 22, 2018Finder
Hi Doug,
Thank you for leaving a question.
There are lenders that may consider you for a loan. Please refer to our list of lenders offering pensioner loans and Centrelink loan. If you want to know more about the lender, simply click their name to read our product review. Once you have chosen a particular lender, you may then click on the “Go to site” button if available and you will be redirected to the lender’s website where you can proceed with your loan application or get in touch with their representatives for further assistance.
If you're wanting to bolster your application, buy an asset with your partner or apply for a loan you're not eligible for by yourself, you can consider a joint application personal loan.
Find a low interest loan by comparing your options with Finder. See interest rates, fees, and features for loans across Australia, plus guides to help you get the best deal.
Find out exactly what you need to know when it comes to cheap personal loans, including working out if a loan is really competitive.
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Finder makes money from featured partners, but editorial opinions are our own.
Finder is one of Australia's leading comparison websites. We are committed to our readers and stand by our editorial principles.
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
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Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product.
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Addicted to details. We know taking out a personal loan is something you'll be hooked up with for a while. That's why we put hours into research for this guide (and still do at least once a month)
Rates obsessed. Lenders come in all shapes and sizes, that's why we don't just track the big banks, but all the digi folk too. Pretty much everyone but your parents to be honest. 
Cash for whatever you need. Lending rates verified from 180+ products day and night. Whether you're buying a car, rennovating your home or heck just ready to let loose with the spending - we got you.
Hi, I’m looking for a personal loan. Would like someone to give some advice and help please thank you
Hi Tameka,
If you click “Go to site” with the lender in the table that best suits your needs, you can visit their website and get some advice.
At Finder, we provide a range of options for you to consider but we’re not licenced to give personal financial advice. The information in this article may be useful: https://www.finder.com.au/personal-loans
Best of luck!
I’m looking for a $15,000 personal loan, can you please show me all the options I have?
Hi James,
Thanks for getting in touch!
You can check our list of personal loans. Please use our table to help you find the lender that suits you. You can click the name of the lender or the “More info” link to be redirected to our review page and learn more about the lender’s loan offer, rates, and requirements as well as the pros and cons of using their loan service. When you are ready, you may then click on the “Go to site” button and you will be redirected to the lender’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. You can also contact the provider if you have specific questions.
Hope this was helpful. Don’t hesitate to message us back if you have more questions.
Best,
Nikki
Please send me a list of personal loan brokers
Hi Hugh,
Thank you for leaving a question. Please check a list of loan brokers featured on our website. On the page provided, you will be able to compare lenders through our comparison table.
You can select the “Go to site” button for more information. Please check eligibility requirements and the T&C prior to applying.
Hope this helps.
Cheers,
Val
I am a PhD international student would like to apply for a personal loan up to $10,000 to $20,000, if possible.
Hi Parviz,
Thanks for getting in touch with Finder. I hope all is well with you. :)
The answer to your question would depend on the criteria of the lender. In general, temporary residents are eligible for personal loans in Australia. However, it’s likely you will have to meet additional criteria in order to be eligible. This may include a higher minimum income requirement. You will also need to be on a certain type of visa, according to the lender’s requirements, and the term of your loan cannot exceed the time left on your visa.
Please refer to our page for personal loans for temporary residents. I recommend that you check the details of the loan, eligibility requirements (Visa, income requirements, etc), and its terms and conditions before you apply. Once you’re ready, you can click on the ‘Go to site’ button and process the application from the main page of the lender.
I hope this helps. Should you have further questions, please don’t hesitate to reach out again.
Have a wonderful day!
Cheers,
Joshua
Lenders who accept Disability Pension &/or guarantor
Hi Doug,
Thank you for leaving a question.
There are lenders that may consider you for a loan. Please refer to our list of lenders offering pensioner loans and Centrelink loan. If you want to know more about the lender, simply click their name to read our product review. Once you have chosen a particular lender, you may then click on the “Go to site” button if available and you will be redirected to the lender’s website where you can proceed with your loan application or get in touch with their representatives for further assistance.
Cheers,
Reggie