Compare personal loans in Australia
Answer a few quick questions and we'll match you with loan offers from trusted Australian lenders — free, fast, and no obligation.
Last updated: 24 May 2026
Compare Now →30+
Australian Lenders
120+
City Guides
6.99%
Comparison Rate From
60 min
Fastest Approval
How Credizen works
Tell us what you need
Enter your loan amount, purpose, and basic details.
We compare offers
Our system checks rates from 30+ Australian lenders.
See your matches
Review personalised loan options ranked by suitability.
Featured lenders
Compare offers from ASIC-regulated Australian lenders
MoneyMe
Fintech
Amount: A$2,100–A$50,000
Comparison rate: from 7.65% p.a.
Approval: 60 min
View details →Plenti
Fintech
Amount: A$5,000–A$50,000
Comparison rate: from 6.99% p.a.
Approval: Same day
View details →Commonwealth Bank
Bank
Amount: A$4,000–A$50,000
Comparison rate: from 8.49% p.a.
Approval: 1–2 days
View details →Wisr
Fintech
Amount: A$5,000–A$62,000
Comparison rate: from 7.75% p.a.
Approval: Same day
View details →ANZ
Bank
Amount: A$5,000–A$50,000
Comparison rate: from 8.99% p.a.
Approval: 1–2 days
View details →Latitude Financial
Specialist
Amount: A$3,000–A$45,000
Comparison rate: from 13.99% p.a.
Approval: Same day
View details →Choose the right comparison path
Different borrowing goals need different filters. Use the path below that best matches your reason for comparing loans, then assess comparison rate, fees, and repayment fit before you apply.
Debt consolidation
Best when you need to combine multiple repayments into one structure and compare total cost against your current debts.
Smaller loan amount
Useful for one-off expenses like repairs or medical costs, where taking only the amount you need can protect repayment flexibility.
Secured vs unsecured
Choose this path if you need to weigh lower-cost secured borrowing against the risk of using an asset as collateral.
Local borrowing context
Use city guidance if living costs, regional income patterns, or remote lender access are likely to affect your shortlist.
Compare loans by city
Loan cost example
Representative example: A$15,000 over 3 years at 9.95% p.a. with a 11.47% comparison rate. Monthly repayments and total cost will vary by lender, fees, and your financial profile.
Loan amount
A$15,000
Comparison rate
11.47% p.a.
Term
3 years
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Frequently asked questions
How do I compare personal loans in Australia? ▼
What is a comparison rate? ▼
Will comparing loans affect my credit score? ▼
What is the cheapest personal loan in Australia? ▼
Can I get a personal loan with bad credit? ▼
How fast can I get a personal loan approved? ▼
Are online lenders safe in Australia? ▼
What documents do I need to apply for a personal loan? ▼
Australian Personal Loan Key Facts
| Metric | Value |
|---|---|
| Country | Australia |
| Currency | Australian Dollar (AUD / A$) |
| Primary Regulator | ASIC (Australian Securities & Investments Commission) |
| Consumer Protection | NCCP Act 2009 |
| Dispute Resolution | AFCA (Australian Financial Complaints Authority) |
| Comparison Rate Base | A$30,000 unsecured over 5 years |
| Personal Loan Range | A$2,000 – A$50,000 |
| SACC Cap (≤A$2,000) | 20% establishment + 4%/month |
| MACC Cap (A$2,001–A$5,000) | 48% APR max |
| Typical Comparison Rate | From 6.99% p.a. (comparison rate) |
| Loan Terms | 1–7 years |
| Approval Time | 60 min – 2 business days |
| Requirements | Valid ID + proof of income + Australian bank account |
| Minimum Borrower Age | 18 years |
| Credit Reporting | Equifax, Experian, illion |
Source: ASIC (moneysmart.gov.au), AFCA (afca.org.au). Data verified as of July 2026.
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Borrow Responsibly
All credit providers featured on this site hold an Australian Credit Licence (ACL) and are regulated by ASIC. For unresolved complaints, contact AFCA at afca.org.au. Interest rates and comparison rates are current as of the date published and are subject to change. Comparison rates are based on a A$30,000 unsecured loan over 5 years. WARNING: This comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates.
Last updated: 24 May 2026