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
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Our system checks rates from 30+ Australian lenders.
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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$45,000
Comparison rate: from 13.99% p.a.
Approval: Same day
View details →Compare loans by city
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Australian Personal Loan Key Facts
| Metric | Value |
|---|---|
| Country | Australia |
| Currency | Australian Dollar (AUD / A$) |
| 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 May 2026.
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
Emergency Financial Help
If you're experiencing financial difficulties, contact your local financial counseling service.
- South Africa: National Credit Regulator - 0860 627 627
- Romania: ANPC - 0213142200
- Colombia: Superintendencia Financiera - (571) 594 2222
- Poland: KNF - 22 262 5000
- Czech Republic: ČNB (Česká národní banka) - 224 411 111