Australian loan providers — compare all lenders
Compare personal loan products from 28+ Australian lenders. Banks, fintechs, and specialist credit providers — all ASIC-regulated.
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$5,000 | from 0% p.a. | 60 min | Review → |
Comparison platforms
How we review lenders
Our lender reviews are based on data sourced from official lender websites and product documentation. We verify comparison rates quarterly and update reviews regularly.
- • Data sourced from official lender websites and PDS documents
- • Comparison rates verified against ASIC requirements
- • Reviews updated regularly to reflect current products
- • Independent editorial process — commissions do not influence rankings
Australian Personal Loan Key Facts
| Metric | Value |
|---|---|
| Country | Australia |
| Currency | Australian Dollar (AUD / A$) |
| 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 |
| 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 April 2026.
Frequently asked questions
How many lenders does Credizen compare in Australia?
We compare products from 28+ Australian lenders including major banks, fintechs, and specialist credit providers. All featured lenders hold an Australian Credit Licence (ACL) regulated by ASIC.
What is a comparison rate?
A comparison rate combines the interest rate with most fees and charges, calculated on a A$30,000 unsecured loan over 5 years. It helps you see the true cost of a loan and compare products more accurately.
Are all listed lenders ASIC-regulated?
Yes. Every lender featured on Credizen holds an Australian Credit Licence (ACL) and is regulated by ASIC. You can verify any lender's licence on ASIC's Professional Register.
How does Credizen make money?
Credizen receives a commission from lender partners when you successfully apply for a loan through our service. This does not affect the rates or offers you receive.
What loan amounts can I compare?
You can compare personal loans from A$1,000 to A$50,000+ depending on the lender. Loan terms typically range from 1 to 7 years.
How do you rank lenders?
Lenders are ranked based on a combination of comparison rate, approval speed, loan flexibility, customer satisfaction, and suitability for your profile. See our methodology page for full details.
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.
For unresolved complaints, contact AFCA at afca.org.au.
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
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