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Compare Personal Loan Offers From Multiple Lenders

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

Comparison results are from participating brokers linked to our referral service. We may receive a referral fee from the parties we refer you to. 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 - without accessing your credit file!

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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.

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Multiple lenders

When you submit an online loan enquiry with us, we match your details instantly against the lending criteria of over 2000 finance professionals across Australia - all competing for your business.

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No credit check

Unlike most online loan websites, submitting your finance enquiry with us does not result in an entry recorded on your credit file. Multiple credit file entries can make it considerably more difficult to obtain a loan and can severely limit your options.

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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

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 Articles

Effective Credit Repair: Long-Term Strategies for Sustained Improvement

Maintaining a good credit score is crucial for financial health. In Australia, a solid credit score can unlock better interest rates, higher credit limits, and improve your chances of loan approval. - read more

Personal Loan Pitfalls: How to Avoid Common Mistakes in Loan Comparisons

When considering personal finance in Australia, personal loans are a handy resource for achieving various financial goals, from consolidating debt to funding a major purchase. Yet, it's essential to approach this financial tool with caution and understanding. Proper comparison of personal loans can be the difference between a financial stepping stone and a stumbling block. - read more

Essential Steps to Take Before Applying for a Loan

Before considering a loan application, it's crucial to have a clear understanding of your current financial position. Start by noting down all sources of income, including salary, any additional earnings, or government benefits. This will give you a comprehensive view of your financial inflows. - read more

Finance News

October 2025 Sees Significant Rise in Australian Household Spending

11 Dec 2025: Paige Estritori

In October 2025, Australian household spending experienced a notable increase of 1.3%, reaching A$78.4 billion. This marks the most substantial monthly rise in nearly two years, as reported by the Australian Bureau of Statistics. The surge was primarily driven by heightened expenditures on clothing, electronics, and hospitality services, spurred by year-end sales events. - read more

APRA's New Cap on High Debt-to-Income Home Loans: What Borrowers Need to Know

11 Dec 2025: Paige Estritori

In a proactive move to address potential risks in the housing market, the Australian Prudential Regulation Authority (APRA) has announced a new policy set to take effect in February 2026. This policy will cap the issuance of high debt-to-income (DTI) home loans at 20% of new lending portfolios for authorized institutions. Specifically, loans where the borrower's debt exceeds six times their income will be subject to this limitation. - read more

Rising Personal Debt Levels Among Australians: Insights from Canstar's 2025 Survey

11 Dec 2025: Paige Estritori

Recent findings from a national survey conducted by financial comparison site Canstar reveal a concerning trend in Australia's personal debt landscape. While the proportion of Australians holding non-property-related personal debt has decreased, those who do carry such debt are facing higher average amounts. In 2025, the average personal debt has risen to $17,634, up from $15,179 in previous years. - read more

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Need Help Finding a Loan?

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Knowledgebase

Adjustable-Rate Mortgage (ARM) Cap:
A limit on how much the interest rate or the payment can change for an Adjustable-Rate Mortgage.

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IMPORTANT: We do not provide financial product advice or credit assistance. We act solely as an introducer and refer enquiries to licensed third-party intermediaries, insurers, and lenders - with whom you can then deal directly. We may receive a fee or commission from these third parties in consideration for the referral. Before any action is taken to obtain a product or service referred to by this website, advice should be obtained (from either the third party to whom we refer you or from another qualified intermediary) as to the appropriateness of obtaining those products having regard to your objectives, financial situation and needs. Whilst we have our own process for validating the legitimacy of our referral partners, you should always verify the credentials of your financial adviser before proceeding with recommendations that they may present. Visit the ASIC website for further information.