Fast information
Properties of this loan
- Online loans up to $1 900
- Term 3 - 12 months
Loan requirements
- You must be over 18 years old
- An Australian citizen or Australian permanent resident and have a regular income
- You will also need your own email address and mobile phone number
About company
More information about the company Ferratum Australia Pty Ltd.
Fast information
Properties of this loan
- Online loans up to $10 000
- Term 1 - 36 months
Loan requirements
- Be a Permanent Resident
- Be aged 18 years or over
- Be employed and get paid into your bank account
- Have a reasonable credit history
- Earn at least $600 a month
About company
More information about the company IPF Digital Australia Pty Ltd.
Fast information
Properties of this loan
- Online loans up to $12 000
- Term 12 - 24 months
- Easy online application
Loan requirements
- Be Over 18 Years Old
- Take Home Income( with benefits) over $400 a Week
- Be an Australian Resident
- Get Your Income Paid into Your Account
About company
More information about the company Money3 Corp. Ltd.
Fast information
Properties of this loan
- Online loans up to $5 000
- Term 62 days - 84 months
- Easy online application
Loan requirements
- Your main source of income must not be Centrelink
- You must be over 18 years and employed
- You must have an active bank account with internet banking
About company
More information about the company Nimble Australia Pty Ltd.
Fast information
Properties of this loan
- Online loans up to $3 000
- Term 4 - 12 months
- Easy online application
Loan requirements
- Internet banking details, or statements for the past 90 days
- Two types of identification — drivers licence number, Medicare card number, or passport number
- Your BSB and bank account number, so they know where to deposit your money
About company
More information about the company Credit Corp Financial Services Pty Limited
Fast information
Properties of this loan
- Online loans up to $7 500 000
- Term 1 - 30 years
Loan requirements
- Be aged 18+ and have a valid proof of ID – driver’s licence, passport or Medicare
- Be an Australian citizen
About company
More information about the company HSBC Group
Fast information
Properties of this loan
- Online loans up to $1 000 000
- Term 5 - 30 years
Loan requirements
- Be a Permanent Resident
- Be aged 18 years or over
- Be employed and get paid into your bank account
About company
More information about the company ANZ Bank New Zealand Limited
Fast information
Properties of this loan
- Online loans up to $2 000
- Term 1 - 9 weeks
- Easy online application
Loan requirements
- You must be at least 18 years old
- You must have a regular income of at least $300/week (take home pay) which can be a combination of employment and government benefits
About company
More information about the company Sunshine Loans Pty Ltd
Fast information
Properties of this loan
- Online loans up to $1 000
- Term 1 - 12 months
Loan requirements
- Be a Permanent Resident
- Be aged 18 years or over
About company
More information about the company Cigno Pty Ltd
Fast information
Properties of this loan
- Online loans up to $15 000
- Term 1 - 5 years
Loan requirements
- At ClearLoans, we do not judge you based on your credit score.
- All we require is that our borrowers are Australian residents aged 18-75
- Not on an active bankruptcy, not on an active or terminated Part IX Debt Agreement (or equivalent)
- Be able to comfortably afford the repayments
- You will also need a friend or family member who trusts you to be your guarantor
About company
More information about the company Membo Finance Pty Ltd
Fast information
Properties of this loan
- Online loans up to $10 000
- Term 1 - 2 years
Loan requirements
- Be over 18 years of age
- Receive a regular income
- Have a direct contact number
About company
More information about the company Jacaranda Finance Pty Ltd
Fast information
Properties of this loan
- Online loans up to $5 000
- Term 1 - 24 months
Loan requirements
- Be a Permanent Resident
- Be aged 18 years or over
About company
More information about the company Cash Stop Gold Pty Ltd
Fast information
Properties of this loan
- Personal loan up to $30 000
- Term 2 - 5 years
Loan requirements
- Be aged 18+ and have a valid proof of ID – driver’s licence, passport or Medicare
- Earn $36,000 or more a year (before tax) with PAYG payslips as your primary source of income
- Be an Australian citizen, New Zealand citizen, or a permanent resident of Australia
- Maintain an Australian residential address
- Have a good credit rating and meet our credit lending guidelines
About company
More information about the company ING Bank (Australia) Limited
Fast information
Properties of this loan
- Online loans up to $5 000
- Term 1 - 24 months
Loan requirements
- Be at least 18
- Permanent resident of Australia
- Employed for at least 3 months
- Own a vehicle registered in your name, with no encumbrances
About company
More information about the company Ausfinancial Pty Ltd
Fast information
Properties of this loan
- Online loans up to $3 000
- Term 5 - 20 weeks
Loan requirements
- Over 18 years of age?
- Australian citizen or permanent resident
- Have a regular income for at least 90 days minimum
- Have an active Australian mobile number & email address
About company
More information about the company Leadpal PTY LTD
Fast information
Properties of this loan
- Online loans up to $3 000
- Term 5 - 20 weeks
Loan requirements
- You have to be at least 18 years old
- You also need to have a regular income of at least $300/week from a full time or part time job
- This also includes government benefits and pensions
- However, keep in mind that your income cannot come fully from government benefits or pensions
About company
More information about the company Initium Investments Pty Ltd
Fast information
Properties of this loan
- Online loans up to $5 000
- Term 1 - 12 months
Loan requirements
- Be at least 18
- Permanent resident of Australia
About company
More information about the company Direct Finance Loans Pty Ltd
Fast information
Properties of this loan
- Online loans up to $10 000
- Term 6 - 24 months
Loan requirements
- You must be over 18 years and employed
- You must have an active bank account with internet banking
About company
More information about the company Rapid Loans Pty Ltd
Fast information
Properties of this loan
- Online loans up to $5 000
- Term 62 - 90 days
- Easy online application
Loan requirements
- You must be over 18 years and employed
- You must have an active bank account with internet banking
About company
More information about the company MoneySpot Pty Ltd.
Fast information
Properties of this loan
- Online loans up to $50 000
- Term 2 - 5 years
Loan requirements
- Must be an Australian citizen or a Permanent Resident residing in Australia
- Must be at least 18 years of age
About company
More information about the company SocietyOne Australia Pty Limited
Fast information
Properties of this loan
- Online loans up to $2 000
- Term 1 - 3 months
- Easy online application
Loan requirements
- You need to be at least 18 years old to apply for a loan
- Valid mobile number and email address
About company
More information about the company Venture 5 Group Pty Ltd
Fast information
Properties of this loan
- Car and home loans
- Apply online
- Term 1 - 30 years
Loan requirements
- Be aged 18 years or over
- Be an Australian citizen or have a permanent residency visa
- If you’re a non-resident, have confirmed employment in Australia
About company
More information about the company loans.com.au Pty Ltd
Fast information
Properties of this loan
- Car loan up to $50 000
- Term 1 - 7 years
Loan requirements
- Be at least 18 years of age or older
- Earn a minimum of $15,000 per year
- Be an Australian citizen, permanent resident or have a valid visa
About company
More information about the company Australia and New Zealand Banking Group Limited
Fast information
Properties of this loan
- Car loan up to $80 000
- Term 1 - 7 years
Loan requirements
- Be aged 18 years or over
- Be an Australian citizen or have a permanent residency visa
- If you’re a non-resident, have confirmed employment in Australia
About company
More information about the company St.George Bank
Fast information
Properties of this loan
- Online loans up to $7 000 000
- Term 3 - 30 years
Loan requirements
- Be a Permanent Resident
- Be aged 18 years or over
- Be employed and get paid into your bank account
About company
More information about the company CANSTAR Pty Limited
Fast information
Properties of this loan
- Online loans up to $100 000
- Term 1 - 7 years
Loan requirements
- Be a Permanent Resident
- Be aged 18 years or over
- Be employed and get paid into your bank account
- Have a reasonable credit history
About company
More information about the company Westpac Banking Corporation
Fast information
Properties of this loan
- Online loans up to $2 000 000
- Term 5 - 30 years
Loan requirements
- Be aged 18+ and have a valid proof of ID – driver’s licence, passport or Medicare
- Be an Australian citizen
- Maintain an Australian residential address
About company
More information about the company Commonwealth Bank of Australia
Fast information
Properties of this loan
- Online loans up to $1 000 000
- Term 5 - 30 years
Loan requirements
- Be a Permanent Resident
- Be aged 18 years or over
About company
More information about the company UBank, division of National Australia Bank Limited
Fast information
Properties of this loan
- Online loans up to $1 000 000
- Term 3 - 30 years
Loan requirements
- Be a Permanent Resident
- Be aged 18 years or over
- Be employed and get paid into your bank account
About company
More information about the company Westpac Banking Corporation
Fast information
Properties of this loan
- Online loans up to $1 000 000
- Term 5 - 30 years
Loan requirements
- Be aged 18+ and have a valid proof of ID – driver’s licence, passport or Medicare
- Earn $36,000 or more a year (before tax) with PAYG payslips as your primary source of income
- Be an Australian citizen, New Zealand citizen, or a permanent resident of Australia
- Maintain an Australian residential address
- Have a good credit rating and meet our credit lending guidelines
About company
More information about the company ING Bank (Australia) Limited
Fast information
Properties of this loan
- Online loans up to $1 000 000
- Term 5 - 30 years
Loan requirements
- Be a Permanent Resident
- Be aged 18 years or over
About company
More information about the company National Australia Bank Limited
Fast information
Properties of this loan
- Online loans up to $50 000
- Term 1 - 7 years
- Easy online application
Loan requirements
- An Australian resident
- Over 18
- Employed
About company
More information about the company Credit Simple (Australia) Pty Ltd
Fast information
Properties of this loan
- Car loan up to $250 000
- Term 1 - 7 years
Loan requirements
- Be over the age of 18
- Be an Australian citizen or permanent resident
- Have never filed for bankruptcy
About company
More information about the company ING Bank (Australia) Limited
Fast information
Properties of this loan
- Car loans up to $80 000
- Term 1 - 7 years
Loan requirements
- Be aged 18+ and have a valid proof of ID – driver’s licence, passport or Medicare
- Be an Australian citizen
About company
More information about the company Suncorp-Metway Ltd
Fast information
Properties of this loan
- Car loan up to $100 000
- Term 1 - 5 years
Loan requirements
- Be at least 18 years of age or older
- Be an Australian citizen, permanent resident or have a valid visa
About company
More information about the company The Royal Automobile Club of Victoria (RACV) Ltd
Fast information
Properties of this loan
- Home loans up to $2 000 000
- Term 3 - 30 years
Loan requirements
- Be aged 18+ and have a valid proof of ID – driver’s licence, passport or Medicare
- Be an Australian citizen
About company
More information about the company Bank of Queensland Limited
Fast information
Properties of this loan
- Home loans up to $2 500 000
- Term 1 - 30 years
Loan requirements
- Be aged 18+ and have a valid proof of ID – driver’s licence, passport or Medicare
- Be an Australian citizen
About company
More information about the company Bendigo and Adelaide Bank Limited
Fast information
Properties of this loan
- Online loans up to $4 900 000
- Term 1 - 30 years
Loan requirements
- Be aged 18+ and have a valid proof of ID – driver’s licence, passport or Medicare
- Be an Australian citizen
- Maintain an Australian residential address
About company
More information about the company Bankwest, a division of Commonwealth Bank of Australia
Fast information
Properties of this loan
- Online loans up to $50 000
- Term 3 - 5 years
- Easy online application
Loan requirements
- An Australian resident
- Over 18
- Employed
About company
More information about the company Harmoney Australia Limited
Fast information
Properties of this loan
- Online loans up to $50 000
- Term 1 - 7 years
- Easy application
Loan requirements
- You must be aged 18 years or over
- You must be a permanent Australian resident with an Australian residential address
- You must be receiving a regular income
- You must not have declared bankruptcy or insolvency, or had defaults on any loans, credit cards, interest free finance or store cards in the last five years
About company
More information about the company Credit Union Australia Ltd
Fast information
Properties of this loan
- Car loans up to $250 000
- Term 1 - 7 years
Loan requirements
- 18 years old or over,
- A permanent resident of Australia
About company
More information about the company Macquarie Bank Limited
Fast information
Properties of this loan
- Online loans up to $5 000 000
- Term 1 - 30 years
Loan requirements
- Be a Permanent Resident
- Be aged 18 years or over
About company
More information about the company AHL Investments Pty Ltd
Fast information
Properties of this loan
- Car loans up to $100 000
- Term 1 - 7 years
Loan requirements
- Be at least 18 years of age or older
- Be an Australian citizen, permanent resident or have a valid visa
About company
More information about the company National Roads and Motorists' Association Limited
Fast information
Properties of this loan
- Credit card
- Interest-free period up to 55 days
Loan requirements
- At least 18 years old
- An Australian citizen or permanent resident
- Employed and earning a regular and verifiable income of at least $25,000 a year
About company
More information about the company Members Equity Bank Limited
Fast information
Properties of this loan
- Online loans up to $3 000 000
- Term 1 - 30 years
Loan requirements
- Be aged 18+ and have a valid proof of ID – driver’s licence, passport or Medicare
- Be an Australian citizen
About company
More information about the company Athena Mortgage Pty Ltd
Fast information
Properties of this loan
- Home loans up to $3 000 000
- Term 3 - 30 years
Loan requirements
About company
More information about the company Bank of Melbourne Ltd
Fast information
Properties of this loan
- Online loans up to $75 000
- Term 1 - 7 years
Loan requirements
- Earn more than $40,000 a year
- Be 18 years or older and a permanent Australian resident
About company
More information about the company Citigroup Pty Limited
Fast information
Properties of this loan
- Variety of credit cards
- Quick verification
Loan requirements
- 18 years or older and a permanent Australian resident
- Permanent full-time or part-time employment, or self employed
- Earn a minimum income of $25,000 per year or more
- Have a good credit rating
- Have an Australian mobile phone number
- Have your email address handy so you can receive electronic statements and other communications via email
- Have your existing flybuys membership number ready (if you have one)
About company
More information about the company Coles Supermarkets Australia Pty Ltd
Fast information
Properties of this loan
- Variety of credit cards
- Low interest rates
Loan requirements
- At least 18 years old
- An Australian citizen or permanent resident
About company
More information about the company Commonwealth Bank of Australia
Fast information
Properties of this loan
- Car loans up to $60 000
- Term 1 - 7 years
Loan requirements
- Be at least 18 years of age or older
- Be an Australian citizen, permanent resident or have a valid visa
About company
More information about the company The Royal Automobile Club of Queensland Limited
Fast information
Properties of this loan
- Car loan up to $55 000
- Term 1 - 7 years
Loan requirements
- Be aged 18 years or over
- Be an Australian citizen or have a permanent residency visa
- If you’re a non-resident, have confirmed employment in Australia
About company
More information about the company National Australia Bank Limited
Fast information
Properties of this loan
- Online loans up to $5 000 000
- Term 3 - 30 years
Loan requirements
- Be a Permanent Resident
- Be aged 18 years or over
About company
More information about the company BankSA - A Division of Westpac Banking Corporation
Fast information
Properties of this loan
- Online loans up to $3 250 000
- Term 8 - 30 years
Loan requirements
- Be aged 18+ and have a valid proof of ID – driver’s licence, passport or Medicare
- Be an Australian citizen
About company
More information about the company Suncorp-Metway Ltd
Fast information
Properties of this loan
- Online loans up to $15 000
- Term 3 - 24 months
- Easy online application
Loan requirements
- Cashify Personal Loans from $500.00 – $2,000.00: Maximum Monthly Interest Rate is 4%. Maximum Annual Percentage Rate (APR) is 48%. The Establishment Fee is 20% of the loan amount borrowed. Other fees may apply. Please refer to your loan contract for all fees, interest, and terms and conditions. Minimum loan contracts are generally 90 days with most loan contracts between 90 to 365 days. For example, a loan of $500.00 repaid over 3 months equates to a total amount payable of $702.00 comprised of $500.00 principal (amount borrowed), $100.00 Establishment Fee, $72.00 in interest and $30.00 in monthly account fees.
About company
More information about the company Cash Supply Pty Ltd
Fast information
Properties of this loan
- Personal loan up to $80 000
- Term 1 - 7 years
Loan requirements
- Be aged 18 years or over
- Have a regular permanent income before tax of at least $35,000 p.a.
- Be an Australian citizen or have a permanent residency visa
- If you’re a non-resident, have confirmed employment in Australia
About company
More information about the company St.George Bank
Fast information
Properties of this loan
- Online loans up to $2 000
- Term 3 - 12 months
Loan requirements
- Must be an Australian citizen or a Permanent Resident residing in Australia
- Must be at least 18 years of age
- Must earn a minimum gross income of $22,000 annually
- Must have an Australian mobile number and valid email address
About company
More information about the company Good Shepherd Microfinance
Fast information
Properties of this loan
- Online loans up to $35 000
- Term 3 - 36 months
- Easy online application
Loan requirements
- An Australian resident
- Over 18
- Employed
About company
More information about the company MoneyMe Financial Group Pty Ltd
Fast information
Properties of this loan
- Online loans up to $50 000
- Term 1 - 7 years
- Easy online application
Loan requirements
- Be at least 18 yrs old • Be employed and earning over $25,000 per year • Be an Australian citizen, or permanent resident • Have no record of prior bankruptcy
About company
More information about the company Symple Loans Pty Ltd.
We have compared 58 loans. The last update was made on 25.09.2021 in 21 hours 39 minutes.
Personal loans comparision in Australia
What is a personal loan?
It is an amount––usually up to $100,000––that you borrow from a lending institution as a lump sum or line of credit. Repayments are made over a period of up to seven years with interest charges, so you end up paying back more than you borrowed.
They are used for a number of purposes including but not limited to things like consolidating debt, emergency purchases, buying a car, paying for a holiday or home renovations.
Comparison rate
When researching options, there will be the advertised interest rate as well as the comparison rate. The interest is expressed as a percentage which reflects the amount that will be charged per period (usually monthly) on the borrowed amount. The comparison rate is a percentage that takes into account the interest rate as well as all fees and charges associated with borrowing and so, the comparison rate will be higher than the interest rate when there are additional fees to be paid. For example, if a personal loan has an interest rate of 9.99% per annum but the comparison rate is 11.7% p.a. this would indicate that there are fees and charges to be paid.
When the comparison rate is the same as the interest rate, there are no fees in addition to the interest costs.
The calculation of comparison rates needs to be disclosed as it is a calculation of a hypothetical loan. For example, the rate shown may been calculated on a hypothetical amount of $50,000 over 7 years. The amount and term affect the rate and so needs to be disclosed.
Types of personal loans
There are different loans to suit differing purposes. To find the best loan for you, you first need to decide on the type you’ll need.
- Secured personal loan. This is backed by an asset to use as security in the event the borrower can’t repay their loan. The lender will sell the asset to reclaim the money they lent out.
- Unsecured personal loan. There is no asset used as security with an unsecured loan so the interest rates are higher than a secured loan because the lender is taking on more risk by lending without any security.
- Car loans. They are offered with the car being used as security for the loan.
- Debt consolidation. When you have multiple debts such as credit cards, you can combine them all into one loan with a lower interest rate to save you money in interest charges.
- Payday or short term. You are generally able to borrow up to $2,000 for a period of 16 days up to 12 months. The fees and charges associated with this type are usually very expensive. They offer bad credit loans.
- Line of credit. You are able to spend up to your preapproved credit limit. You only pay interest on the amount used.
- Overdraft. An overdraft gives you credit from your financial institution in the event of your account reaching zero.
For more info see Link to fast loans for more details on personal loan types
Find features to suit your needs
- Loan term. Depending of the type of finance, you may be able to get a term of up to 7 years. Some lenders are very rigid in their term options, offering lengths of one, three or five years, so make sure the term you choose meets your repayment needs. A longer repayment period means the monthly repayments will be smaller, but the overall amount of interest you’ll pay will be higher.
- Competitive interest rate. With so many options on the market, the rates are quite competitive so ensure you check the interest rates across loan products to find the best deal. The rate will be either fixed or variable. Fixed can be a good option to provide predictability for budgeting as the rate won’t go up and down like variable does. A variable rate can be great when rates drop but you also run the risk of having to increase your repayment amount if the interest rate rises.
- Fees and charges. Most loans come with fees and charges in addition to the interest payments. An application fee and monthly account fee are common fees to be wary of.
- Flexible repayment options. Making extra repayments to pay your debt off early can save a lot of money in interest charges. If this is something that you’re looking for, be sure to check that your loan offers this option as some lenders charge a fee to repay early.
There is a huge amount of differing options so have a clear idea in mind of the features that will suit your needs. Keep in mind that the cheapest option might not always be the best if it doesn’t come complete with all the loan options you wish to take advantage of.