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Compare Personal Loan Options From Participating Lenders & Brokers

Need Help Finding a Loan? Find out if you qualify and compare loan offers, rates & options from multiple lenders - without affecting your credit file!

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All quotes are provided obligation-free by a participating broker from our national referral partner network. We respect your Privacy.

Comparison results are from participating brokers within our referral network and may not represent all providers in the market. We may receive a referral fee at no cost to you. We do not provide financial advice or credit assistance directly.

Any Loan Type

Home loans, car loans, personal loans, debt consolidation, bike, boat, caravan, truck and business finance. Submitting your initial enquiry with us will not create an entry on your credit file, but if you choose to proceed with a lender or broker they may conduct a credit check as part of their application process.

Free assessment

Simply complete our short online loan enquiry form for direct access to a specialist broker or lender who can best accomodate your specific needs and circumstances.

Multiple lenders

When you submit an online loan enquiry with us, we use your details to complete an initial eligibility pre-assessment against the lending criteria of brokers and lenders in our national referral network. This is not a comparison of every personal loan in the market, but it helps identify participating providers who may be able to assist.

No credit check

Unlike many online loan websites, submitting your initial finance enquiry with us will not create an entry on your credit file. However, if you choose to proceed with a lender or broker after your enquiry, they may conduct a credit check in line with their application process. Multiple credit file entries can make it more difficult to obtain a loan and can severely limit your options.

Please Note: Submitting your enquiry with us will not result in an entry recorded on your credit file. However, if you choose to proceed with a lender or broker, they may conduct a credit check in line with their application process


responsible lending

Warning to Borrowers: Unsecured personal loans

The following information is specific to unsecured personal loans.

Minimum period for repayment 6 months, maximum period 5 years.

The maximum Annual Percentage Rate (APR) including all fees and charges is 36% for small, shorter term loans. Longer term loans for larger amounts may be available for an APR of 15% or lower.

For example, a $1000 loan over 6 months could require a fortnightly repayment amount of as much as $96.92 including total costs (interest fees and charges) of $260 in addition to the amount that you borrowed.

Secured loans such as home loans, car loans, etc. are usually a much cheaper finance option. The interest rate will be different depending on what you are financing. For example, home loan interest rates will be typically lower than for a car, boat, caravan or truck loan.

Personal Loans Australia: The Weekly News Wrap

Podcast Cover Image RBA leaders used global events this week to stress that repeated supply shocks and fragmentation keep policy restrictive, even as banks remain well‑capitalised and credit flows. For borrowers, that means rates may stay higher for longer, so compare personal loan options, prep documents to boost eligibility, and stress‑test repayments—especially if consolidating debt. Visit personal-loans.net.au for quick comparisons and instant quotes.


Personal Loans Articles

Your Financial Comeback: Rebuilding Credit Scores for Future Opportunities
Your Financial Comeback: Rebuilding Credit Scores for Future Opportunities
In the dynamic landscape of Australian finance, the emphasis on a robust credit score cannot be overstated. A favourable credit score serves as a gatekeeper to a world of financial opportunities, determining the ease with which individuals can access loans, the interest rates they will be eligible for, and even the prospects of securing a home in an ever-competitive market. As the average mortgage sizes surge to unparalleled heights, the significance of maintaining an advantageous credit profile escalates in tandem. - read more
How to Refinance Your Loans Safely Without Credit Impacts
How to Refinance Your Loans Safely Without Credit Impacts
In today's financial climate, many Australians find themselves exploring options to manage and optimise their financial commitments. One option gaining popularity is loan refinancing. But what exactly is loan refinancing, and how can it benefit you, especially without negatively impacting your credit score? - read more
Is Refinancing Your Personal Loan Right for You? Weighing the Benefits and Drawbacks
Is Refinancing Your Personal Loan Right for You? Weighing the Benefits and Drawbacks
Have you ever heard the term loan refinancing and wondered what it actually means? Simply put, refinancing a loan involves replacing your current loan with a new one, typically to take advantage of better terms, such as lower interest rates or different repayment conditions. - read more

Finance News

Rate Money Introduces Competitive Rate Adjustments Amid Industry Increases
Rate Money Introduces Competitive Rate Adjustments Amid Industry Increases
18 Apr 2026: Paige Estritori
In a financial landscape where many lenders are raising variable interest rates by 25 basis points in response to the Reserve Bank of Australia's recent rate hikes, Rate Money has taken a different approach. The non-bank lender, specializing in loans for self-employed individuals, has opted to increase their variable rates by only 15 to 20 basis points on select loan products. This decision aims to alleviate financial pressure on borrowers facing rising living costs and inflation. - read more
Personal Loans Emerge as Key Tool for Financial Control Amid Rising Expenses
Personal Loans Emerge as Key Tool for Financial Control Amid Rising Expenses
18 Apr 2026: Paige Estritori
As Australians grapple with escalating household expenses and record-high credit card interest rates, personal loans are increasingly being utilized as a strategic tool for financial management. Recent analysis from Experian indicates a growing trend among consumers to leverage fixed-rate personal loans to consolidate debt and manage finances more effectively. - read more
APRA's John Lonsdale Addresses Australia's Financial Vulnerabilities
APRA's John Lonsdale Addresses Australia's Financial Vulnerabilities
02 Apr 2026: Paige Estritori
In a recent address at the 2026 AFR Banking Summit, John Lonsdale, Chair of the Australian Prudential Regulation Authority (APRA), shed light on the inherent vulnerabilities within Australia's financial system. He emphasised that certain characteristics of the nation's economy and banking sector render it susceptible to global economic disturbances. - read more

Need Help Finding a Loan?
Find out now if you qualify and compare rates, offers and options from multiple lenders - without a credit check!
Loan Amount:
Postcode:

All quotes are provided obligation-free by a participating broker from our national referral partner network. We respect your Privacy.

All finance quotes are provided free (via our secure server) and without obligation. We respect your privacy.

Knowledgebase
Debt Consolidation:
Debt consolidation usually involves negotiating a new loan to pay other existing loans in order to get more favourable interest rates and terms.