Personal loan comparison today, jet ski tomorrow

Personal loans for whatever your needs in a jiffy.

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By

Sarah Megginson

Edited by

Richard Whitten

Updated

Fact checked
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8 of 210 results
Updated regularly
Finder Score Interest rate (p.a.) Comp. Rate (p.a.) Application Fee Monthly Fee Rewards Monthly Repayment
NOW Finance logo
Finder score
9.2 Excellent
NOW Finance No Fee Unsecured Personal Loan
Finder AwardFixed18 Months - 7 Years $5,000 - $50,000
Finder score
9.2 Excellent
Interest Rate (p.a.)
5.95%
to 26.95%
Comp. Rate (p.a.)
5.95%
to 26.95%
Application Fee
$0
Monthly Fee
$0
Monthly Repayment
$607.99
Borrow up to $50,000 for any worthwhile purchase and pay no establishment or ongoing fees without providing collateral. You can also benefit from a more competitive interest rate if you have a strong credit score.
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OurMoneyMarket logo
Finder score
9.3 Excellent
OurMoneyMarket Debt Consolidation Loan
Fixed1 - 7 Years $5,000 - $75,000
Finder score
9.3 Excellent
Interest Rate (p.a.)
6.28%
to 18.99%
Comp. Rate (p.a.)
6.28%
to 21.78%
Application Fee
$0
min.
Monthly Fee
$0
Monthly Repayment
$610.98
No monthly or early exit fees. Loan amounts range from $5,000 to $75,000, and up to $100,000 for home improvement projects and motor vehicles.

Eligibility: Applicants with an Equifax credit score of 500 or above and an annual income of more than $25k are eligible.
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Revolut logo
Finder score
9.2 Excellent
Revolut Unsecured Personal Loan
Fixed1 - 7 Years $5,000 - $50,000
Finder score
9.2 Excellent
Interest Rate (p.a.)
6.17%
to 26.99%
Comp. Rate (p.a.)
6.17%
to 23.79%
Application Fee
$0
Monthly Fee
$0
Monthly Repayment
$609.98
Apply online and then access your funds in minutes if you're approved. Pay no monthly or annual fees to use the loan and no early repayment fees.

Eligibility: Must be an Australian/NZ citizen or permanent resident, employed for 3+ months, earning at least $2,000/month, with a recommended Equifax credit score of 500+.
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Latitude logo
Finder score
7.8 Great
Latitude Variable Rate Personal Loan
Variable2 - 7 Years $5,000 -
Finder score
7.8 Great
Interest Rate (p.a.)
9.49%
to 29.39%
Comp. Rate (p.a.)
10.61%
to 30.29%
Application Fee
$0
Monthly Fee
$16.50
Monthly Repayment
$657.07
$395 establishment fee waived for approved personal loan applications for a limited time. Latitude may withdraw offer at any time. T&Cs apply.
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OurMoneyMarket logo
Finder score
9.5 Excellent
OurMoneyMarket Home Improvement Loan
Fixed1 - 7 Years $5,000 - $100,000
Finder score
9.5 Excellent
Interest Rate (p.a.)
6.28%
to 18.99%
Comp. Rate (p.a.)
6.28%
to 21.78%
Application Fee
$0
min.
Monthly Fee
$0
Monthly Repayment
$610.98
No monthly or early exit fees. Loan amounts range from $5,000 to $75,000, and up to $100,000 for home improvement projects and motor vehicles.

Eligibility: Applicants with an Equifax credit score of 500 or above and an annual income of more than $25k are eligible.
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Jacaranda Finance logo
Finder score
3.5 Basic
Jacaranda Finance Secured Personal Loan
Fixed25 Months - 3 Years $3,000 - $25,000
Finder score
3.5 Basic
Interest Rate (p.a.)
16.95%
to 29.95%
Comp. Rate (p.a.)
32.99%
to 45.50%
Application Fee
$125 - $1,190
Monthly Fee
$26
Monthly Repayment
$780.95
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Jacaranda Finance logo
Finder score
3 Basic
Jacaranda Finance Unsecured Personal Loan
Fixed25 Months $3,000 - $10,000
Finder score
3 Basic
Interest Rate (p.a.)
27.95%
to 29.95%
Comp. Rate (p.a.)
44.50%
to 46.50%
Application Fee
$13.50 - $950
Monthly Fee
$26
Monthly Repayment
$892
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Latitude logo
Finder score
7.9 Great
Latitude Fixed Rate Personal Loan
Fixed2 - 7 Years $5,000 -
Finder score
7.9 Great
Interest Rate (p.a.)
8.99%
to 29.39%
Comp. Rate (p.a.)
10.11%
to 30.29%
Application Fee
$0
Monthly Fee
$16.50
Monthly Repayment
$652.40
$395 establishment fee waived for approved personal loan applications for a limited time. Latitude may withdraw offer at any time. T&Cs apply.
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3 easy steps to help you find the best personal loan for you

puzzle

1. Matching your loan with the reason you're borrowing

This is the first broad filter for finding the best personal loan for you. You need to ask yourself why you're taking out the loan.

Different types of personal loans are suited to different loan purposes. For instance, a secured personal loan may be a good way to finance a used car. An unsecured loan may be better suited to general purposes where you can't offer collateral.

Depending on the reason you're looking to borrow, the type of personal loan that is best for you will differ – so your first step is to find a loan that matches your loan purpose.

list

2. Filter for loan features most useful for you

After you've found a loan that caters to your specific loan purpose, you have to consider the features you want.

Personal loans come with a variety of features. This includes how much you want to borrow, over what term, as well as the type of interest you wish to pay – that is, fixed or variable.

Other features include the ability to make additional repayments, and repaying the loan early without penalty and redraw facilities.

Once you've accounted for your preferences, you can compare your loan options to find a loan with the features you want.

bag of money

3. Compare loans to find the most affordable loan

Apart from filtering for your specific needs, you also need to find a loan you can afford. Here's where comparison really pays off. Comparing loans can help you find the most affordable loan with all the features you're after.

Keep an eye out for the interest rate, as well as the comparison rate – which will give you an idea of the overall cost of the loan. The range for a competitive comparison rate is anything under 10% p.a.

As well as low interest, you should look for low or no fees, as these will add to the cost of your loan. These will include establishment and monthly fees.

Some loans also come with limited time offers. This could be a discounted interest rate or fee waivers. These offers can help you keep down the cost of the loan in the long run, so consider looking out for them.

What type of personal loan will best suit my needs?

There are a range of personal loans you can apply for. If you're not sure what type of loan you need, we've highlighted the options. We've also included what you should keep in mind and watch out for.

Richard Whitten's headshot
To make sure you get accurate and helpful information, this guide has been edited by Richard Whitten as part of our fact-checking process.
Sarah Megginson's headshot
Personal finance expert + media spokesperson

With over 20 years of experience in property, finance and investment journalism, Sarah is a trusted expert whose insights regularly appear across television, radio, and print media, including Sunrise, ABC News, and Yahoo! Finance. She has previously served as managing editor for Your Investment Property and Australian Broker, and her expert advice has been shared in the media over 3,500 times since 2023 alone. Sarah holds a Bachelor’s degree in Communications and a Tier 1 Generic Knowledge certification, which complies with ASIC standards. See full bio

Sarah's expertise
Sarah has written 211 Finder guides across topics including:
  • Home loans
  • Personal finance
  • Budgeting and money-saving tips
  • Managing the cost of living
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