Disclaimer

General information only

The information provided on this website is general in nature and does not constitute financial advice. It does not take into account your personal financial situation, objectives, or needs. Before making any financial decision, you should consider whether the products featured are appropriate for you and read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD).

Not a lender

Credizen Pty Ltd is a loan comparison service, not a credit provider. We do not provide financial advice, assess loan applications, or make lending decisions. We connect consumers with ASIC-regulated lenders based on the information you provide.

Comparison rates

Comparison rates displayed on this website are based on a A$30,000 unsecured personal loan over 5 years, as required by Australian regulations. WARNING: This comparison rate applies only to the example given. Different loan amounts and terms will result in different comparison rates. Your actual rate will depend on your financial circumstances and the lender's assessment.

Commission disclosure

Credizen receives a commission from lender partners when you successfully apply for a loan through our service. This commission does not affect the comparison rates, fees, or offers you receive from lenders. Our ranking methodology is based on objective criteria including comparison rates, fees, approval speed, and customer feedback.

Limitations of comparison results

Results shown through Credizen are comparison results, not loan approvals or personal financial recommendations. They reflect the information available to us at the time of comparison and the details you provide, but they do not replace a lender's full affordability, identity, or credit assessment.

• Seeing a lender in your results does not mean approval is guaranteed.
• A lender may request extra information before confirming eligibility or pricing.
• Actual rate, fees, and available amount can change after full application review.

Accuracy of information

While we make every effort to ensure the accuracy of the information on this website, we cannot guarantee that all product details are current at the time you access the site. Interest rates, fees, and product features are subject to change by lenders without notice. Always verify details directly with the lender before applying.

Data freshness and update timing

We review and refresh lender information regularly, but comparison content can only reflect the latest data we have verified. Lenders may update pricing, fees, or criteria between review cycles, so the lender's own terms and disclosures remain the final reference point.

No guarantee of approval

Being matched with a lender through Credizen does not guarantee loan approval. Each lender has its own assessment criteria and responsible lending obligations under the National Consumer Credit Protection Act 2009 (NCCP).

External links

This website may contain links to external websites. Credizen is not responsible for the content or privacy practices of external sites. Links to lender websites are provided for your convenience and do not imply endorsement beyond our published reviews.

Affiliate and outbound link boundaries

Some outbound lender links may be tracked or monetised through affiliate arrangements. These links help fund the comparison service, but they do not change the legal relationship between you and the lender, and they do not replace the lender's own documentation, disclosures, or suitability assessment.

Regulatory references

For independent financial guidance, visit ASIC MoneySmart. For complaints about a lender, contact the Australian Financial Complaints Authority (AFCA).

Related pages

For more detail on how rankings are created, read our methodology. For editorial standards, see our editorial policy. If you want to compare current options, use the loan comparison flow.

Last updated: April 2026