Australian loan providers — compare all lenders
Compare personal loan products from 28+ Australian lenders. Banks, fintechs, and specialist credit providers — all ASIC-regulated.
Last updated:
How lender categories differ in Australia
Not every provider suits the same borrower. Banks, fintechs, specialist lenders, and comparison platforms solve different problems, so your shortlist should reflect your timeline, credit profile, and repayment tolerance.
Banks
Often suit borrowers with stable income, stronger credit history, and time to complete full verification.
Currently listed: 10
Fintechs
Typically prioritise digital application flow, faster decisions, and flexible online servicing.
Currently listed: 8
Specialist lenders
Useful for narrower borrower profiles, lower amounts, or cases where mainstream criteria may be harder to meet.
Currently listed: 7
Comparison platforms
Helpful for initial market scanning, but you should still verify the underlying lender terms before applying.
Currently listed: 3
Fintechs and online lenders
| Lender | Loan Range | Comparison Rate | Approval | |
|---|---|---|---|---|
| Plenti | A$5,000–A$50,000 | from 6.99% p.a. | Same day | Review → |
| MoneyMe | A$2,100–A$50,000 | from 7.65% p.a. | 60 min | Review → |
| Wisr | A$5,000–A$62,000 | from 7.75% p.a. | Same day | Review → |
| SocietyOne | A$5,000–A$50,000 | from 8.49% p.a. | Same day | Review → |
| Alex Bank | A$5,000–A$50,000 | from 7.99% p.a. | Same day | Review → |
| Harmoney | A$5,000–A$70,000 | from 6.99% p.a. | Same day | Review → |
| Brighte | A$2,000–A$30,000 | from 0% p.a. | Same day | Review → |
| Now Finance | A$2,000–A$50,000 | from 9.95% p.a. | Same day | Review → |
Banks
| Bank | Loan Range | Comparison Rate | Approval | |
|---|---|---|---|---|
| ING Australia | A$5,000–A$45,000 | from 7.49% p.a. | 1-2 days | Review → |
| Macquarie Bank | A$5,000–A$50,000 | from 7.99% p.a. | 1-2 days | Review → |
| Commonwealth Bank | A$4,000–A$50,000 | from 8.49% p.a. | 1-2 days | Review → |
| ANZ | A$5,000–A$50,000 | from 8.99% p.a. | 1-2 days | Review → |
| Westpac | A$4,000–A$50,000 | from 8.99% p.a. | 1-2 days | Review → |
| NAB | A$5,000–A$55,000 | from 8.49% p.a. | 1-2 days | Review → |
| St. George Bank | A$4,000–A$50,000 | from 8.99% p.a. | 1-2 days | Review → |
| Suncorp | A$5,000–A$50,000 | from 8.99% p.a. | 1-2 days | Review → |
| Bendigo Bank | A$2,000–A$50,000 | from 9.49% p.a. | 1-2 days | Review → |
| Bank of Queensland | A$2,000–A$50,000 | from 9.49% p.a. | 1-2 days | Review → |
Specialist lenders
| Lender | Loan Range | Comparison Rate | Approval | |
|---|---|---|---|---|
| Latitude Financial | A$3,000–A$45,000 | from 13.99% p.a. | Same day | Review → |
| Jacaranda Finance | A$2,100–A$25,000 | from 14.99% p.a. | 60 min | Review → |
| Money3 | A$2,100–A$25,000 | from 12.99% p.a. | Same day | Review → |
| Cash Converters | A$100–A$2,000 | from 0% p.a. | Same day | Review → |
| Nimble | A$100–A$5,000 | from 0% p.a. | 60 min | Review → |
| Fair Go Finance | A$2,100–A$10,000 | from 14.99% p.a. | Same day | Review → |
| Wallet Wizard | A$200–A$5,000 | from 0% p.a. | 60 min | Review → |
Comparison platforms
All lenders (A-Z)
Use this directory to navigate directly to each lender review page.
- Alex Bank
- ANZ
- Bank of Queensland
- Bendigo Bank
- Brighte
- Canstar
- Cash Converters
- Commonwealth Bank
- Fair Go Finance
- Finder
- Harmoney
- ING Australia
- Jacaranda Finance
- Latitude Financial
- Macquarie Bank
- Money3
- MoneyMe
- NAB
- Nimble
- Now Finance
- Plenti
- RateCity
- SocietyOne
- St. George Bank
- Suncorp
- Wallet Wizard
- Westpac
- Wisr
How we review lenders
Our lender reviews are based on data sourced from official lender websites and product documentation. We verify comparison rates quarterly and update reviews regularly.
- • Data sourced from official lender websites and PDS documents
- • Comparison rates verified against ASIC requirements
- • Reviews updated regularly to reflect current products
- • Independent editorial process — commissions do not influence rankings
Australian Personal Loan Key Facts
| Metric | Value |
|---|---|
| Country | Australia |
| Currency | Australian Dollar (AUD / A$) |
| 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 |
| SACC Cap (≤A$2,000) | 20% establishment + 4%/month |
| MACC Cap (A$2,001–A$5,000) | 48% APR max |
| 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 August 2026.
Loan cost example
Representative example: A$10,000 over 3 years at 8.99% p.a. with a 10.55% comparison rate. The monthly repayment and total cost will change depending on the lender, fees, and your circumstances.
Amount
A$10,000
Rate
8.99% p.a.
Comparison rate
10.55% p.a.
Frequently asked questions
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Important information
Credizen Pty Ltd is a loan comparison service and does not provide financial advice. All credit providers featured hold an Australian Credit Licence (ACL) and are regulated by ASIC.
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.