Symple Loans personal loan

Earn up to 50,000 Qantas Points rewarding personal loan from Symple.

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. You'll also earn 1 Qantas Point for every $1 borrowed.

See if it's right for you in our review below.

3 things you should know about this loan

When considering a loan from Symple, customers should be aware of the following:

  • Personalised rates. You'll receive a tailored interest rate between 5.75% p.a. to 25.99% p.a. based on your personal information and credit profile.
  • High upfront fee. You may have to pay an establishment fee of up to 5% of the total loan amount.
  • 100% online. Symple is also a 100% digital platform, so it has no physical branches and is only accessible by phone and email.
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From 5.75% (variable)

Interest Rate (p.a.)


Comparison Rate (p.a.)


Min Loan Amount

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Product NameSymple Loans Personal Loan
Interest Rate (p.a.)
From 5.75% (variable)
Comparison Rate (p.a.)6.47%
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 Loans 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 5.75% p.a. to 25.99% p.a., with a comparison rate from 6.47% p.a. to 29.20% 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 Loans Personal Loan

  • Special Offer. Earn 1 Qantas Frequent Flyer point for every $1 you borrow with Symple.
  • 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.

Symple Loans Personal Loan rates and fees

  • Interest rate. (from) 5.75% p.a.
  • Comparison rate. (from) 6.47% p.a.
  • 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.
  • Establishment fee. from 0% to 5% of the loan amount

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

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 personal loan options when looking for a loan.

Personal Loan Offers

Important Information*
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Harmoney Unsecured Personal Loan

You'll receive a fixed rate between 5.35% p.a. and based on your risk profile.
Apply for a loan up to $50,000 and repay your loan over 3 or 5 years terms.

Logo for ANZ Fixed Rate Personal Loan
ANZ Fixed Rate Personal Loan

You'll receive a fixed rate of 8.99% p.a.
Apply for up to $50,000 to use for a variety of purposes without needing to add security. Available to self-employed applicants.

Logo for NAB Personal Loan Unsecured Fixed
NAB Personal Loan Unsecured Fixed

You'll receive a fixed rate between 6.99% p.a. and 18.99% p.a. ( 7.91% p.a. to 19.83% p.a. comparison rate) based on your risk profile
Borrow from $5,000 to $55,000, with 1 years to 7 years loan terms available. This loan comes with no fees for extra repayments and no early exit fees.

Logo for SocietyOne Unsecured Personal Loan
SocietyOne Unsecured Personal Loan

You'll receive a fixed rate between 5.95% p.a. and 19.99% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Benefit from no ongoing fees and no early repayment fee.

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    Default Gravatar
    June 7, 2019

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

      Avatarfinder Customer Care
      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!


    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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