Symple Loans personal loan

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Get access to flexible repayment options and next-day funding with a Symple personal loan.

Symple is a peer-to-peer lender that offers unsecured personal loans. If you need quick access to funds to cover a personal expense or purchase, the Symple personal loan lets you apply in minutes and have the money within 24 hours of being approved.

From 5.99% (variable)

Interest Rate (p.a.)


Comparison Rate (p.a.)


Min Loan Amount


Product NameSymple Loans Personal Loan
Interest Rate (p.a.)From 5.99% (variable)
Comparison Rate (p.a.)7.55%
Interest Rate TypeVariable
Min Loan Amount$5,000
Max. Loan Amount$50,000
Loan SecurityUnsecured
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Main points to consider about the Symple personal loan

You can borrow from $5,000 to $50,000 with a loan term of 1 to 7 years. You will receive a personalised interest rate from 5.99% p.a. to 25.99% p.a., with a comparison rate from 7.55% p.a. to 29.2% p.a.

You will need to make monthly repayments, but you'll have the option to make early repayments or pay off your entire loan amount without penalty.

Features of the Symple personal loan

  • Personalised interest rate. You will be given a rate based on your credit history and other factors.
  • Flexible loan terms. You can repay the loan over 1 to 7 years.
  • Quick approval time. You can complete your application within approximately 7 minutes and you may get approval within 60 seconds.
  • Fast access to funds. You will generally receive the loan amount within 24 hours of approval.
  • Early repayment options. You can make extra repayments or pay your entire loan off early with no additional fees or charges.

Fees to consider

  • Establishment fee. You will need to pay an initial fee from 2% to 5% of the loan amount.
  • Administration fee. You will also need to pay a $10 monthly fee.
  • Late payment fee. You will be charged a fee if you fail to make a repayment on time.

You won't need to pay any additional fees or charges for making additional repayments or paying your loan off early.

Symple Loans personal loan rates & fees

  • Interest rate: (from) 5.99% p.a.
  • Comparison rate: (from) 7.55% p.a.
  • Establishment fee: from 2% to 5% of the loan amount
  • Monthly fee: $10

How to apply for the Symple personal loan

If you wish to apply for a Symple personal loan, you can click "Go To Site" above to begin your application. You will need to meet the following criteria to be eligible for a loan:

  • Be at least 18 years of age
  • Apply as an individual
  • Be an Australian citizen or permanent resident
  • Earn an income of at least $25,000 per year
  • Not be bankrupt

You will need to provide additional financial and personal information as part of your application. If you are self-employed, you will need to have been trading for at least two years and include your tax return and notice of assessment as part of your application.

The Symple personal loan is a quick and flexible finance option for those needing fast access to funds. You should always compare all your options when looking for a personal loan.

Personal Loan Offers

Important Information*
Logo for Citi Personal Loan Plus
Citi Personal Loan Plus

You'll receive a variable rate between 8.99% p.a. and 17.99% p.a. (9.67% p.a. to 18.6% p.a. comparison rate) based on your risk profile
A credit limit up to $75,000 that you can continue to draw down over terms up to 5 years. Note: The establishment fee will be waived if you apply before 30 September 2019.

Logo for ING Personal Loan
ING Personal Loan

You'll receive a fixed rate of 8.99% p.a.
Benefit from no ongoing fees, no early repayment fees and flexible loan terms on amounts up to $30,000.

Logo for RateSetter Unsecured Personal Loan - 3yr Variable
RateSetter Unsecured Personal Loan - 3yr Variable

You'll receive a variable rate between p.a. and 16.40 p.a. based on your risk profile
A flexible loan with amounts from $2,001 and terms starting from 6 months. Interest and comparison rates calculated for a loan term of 3 years.

Logo for Harmoney Unsecured Personal Loan
Harmoney Unsecured Personal Loan

You'll receive a fixed rate between 6.99% p.a. and 28.69% p.a. based on your risk profile.
Apply for a loan up to $70,000 and repay your loan over 3 or 5 years terms.

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  1. Default Gravatar
    June 7, 2019

    Is a rental income of more than $25K acceptable?

    • AvatarStaff
      June 8, 2019

      Hi SJ,

      Thank you for getting in touch with Finder.

      Having rental income could be used as your additional income but not considered as the main income. To qualify for a Symple loan you must:

      • Be at least 18 yrs old
      • Be employed and earning over $25,000 per year
      • Be an Australian citizen, or permanent resident
      • Have no record of prior bankruptcy

      Kindly contact them if you need more info on loan application.

      I hope this helps.

      Thank you and have a wonderful day!


  2. Default Gravatar
    March 7, 2019

    Just signed a new contract for fulltime permanent job. Needing a car and other essentials to be payed for to cut back on stress and help my daily needs. is it possible to get a loan between 10,000 – 25,000 right now to help with my situation being able to have an reliable repayment funds?

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