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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!

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. 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.

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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 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.

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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.

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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 Australia: The Weekly News Wrap

Podcast Cover Image Paige Estritori recaps Australias week in borrowing. The RBA lifted the cash rate to about 4.1% on Tuesday, citing stickier inflation, meaning variable and some personal loan rates may edge up. Major banks will pass on mortgage increases from 27 and 31 March, tightening many household budgets. The RBAs Financial Stability Review says the system is resilient but risks have risen, with prudent lending likely to continue. Practical tips: compare offers, focus on comparison rates and fees, check eligibility first, and have documents ready. Visit personal-loans.net.au for help comparing lenders.

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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

Pre-Approval Loans: How They Work and Why They Matter

A pre-approval loan is an agreement between a lender and a borrower indicating how much the lender is willing to lend to the borrower, subject to certain conditions. - read more

Loan-Ready Budgeting: Prepare Your Finances for a Smooth Application

Stepping into the realm of loans and finance can be a daunting endeavor, but it all begins with a solid foundation in personal budgeting. Understanding how to manage your money effectively is not just a skill—it’s a crucial aspect of securing financial stability and achieving peace of mind. By tuning in to your finances and preparing a thought-out plan, you’re setting the stage for a well-informed loan application process. - read more

Finance News

Rate Money Introduces Competitive Rates and Refinance Options for Self-Employed Australians

25 Mar 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, specialising 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

Australian Personal Loan Applications See Significant Uptick

25 Mar 2026: Paige Estritori

Recent data from Equifax's Consumer Market Pulse for Q4 2025 reveals a notable increase in personal loan applications across Australia. The report indicates an 8.9% rise in personal loan demand compared to the same period in 2024, reflecting a growing reliance on unsecured credit among consumers. - read more

Rising Personal Insolvencies in Australia Linked to Excessive Borrowing

25 Mar 2026: Paige Estritori

The Australian Financial Security Authority (AFSA) has reported a 5.3% annual increase in personal insolvencies, marking the third consecutive year of growth in this area. This trend highlights the mounting financial strain faced by many Australians, with excessive borrowing identified as the primary cause. - read more

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Need Help Finding a Loan?

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Knowledgebase

Margin Call:
A demand by a broker that an investor deposit additional money or securities into the account to cover possible losses.

This website is owned and operated by Clark Family Pty Ltd (ACN 010 281 008) as Trustee for the Clark Family Trust (ABN 35 957 893 714), 43 Larch Street Tallebudgera QLD 4228. Clark Family Pty Ltd is an Authorised Representative (AR 1298860) of Unique Group Broker Services Pty Ltd (AFSL 509434) for financial product referrals and an Authorised Credit Representative (ACR 401491) of Saccasan Pty Ltd (ACL 386297). Check our licensing details on the ASIC registers: Clark Family Pty Ltd ACR, Clark Family Pty Ltd AR, Saccasan Pty Ltd, Unique Group Broker Services.

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.