BEST PERSONAL LOANS

Best Personal Loans

When it comes to finding some of the best personal loans a little research goes a long way. And that’s where we come in. RateCity has done the research for you so that you can search, compare and apply for some of the best Aussie personal loans right here, right now. But first, here’s what you need to know;

What can I use a personal loan for?

Sometimes life can’t wait for us to save the cash we need to make significant purchases. Perhaps you didn’t account for an extra expense (baby) or you are fed up with work (holiday). Either way, a personal loan could save your mustard or just help you achieve your dreams sooner.

You have the freedom to use your loan for almost anything, within reason. So whether your pickle is, home renovations, the latest sports car, debt consolidation or an African safari, a home loan can help you achieve these goals upfront, while you pay it off over time.

How do they work?

Personal loans work in a similar fashion to a credit card, whereby they allow you to borrow money on credit, to be paid back with interest.

However, the benefits of a personal loan is that your loan amount is set so you generally can’t add to your debt, your repayments are structured throughout your loan term and the interest charges will usually be lower than most credit cards.

Types of personal loans

Secured – A secured personal loan is tied to an asset, such as your car, as security for your financial institution in case you can’t make the loan repayments. The added security is usually rewarded with lower interest rates but be careful, failure to pay could mean losing your car.

Unsecured – Reverse the above advantages and disadvantages and you have an unsecured personal loan. Without offering an asset as security collateral you will likely incur higher interest rates.

Start shopping for your personal loan now so you can shop for the important purchases with confidence. Get started, compare some of Australia’s best personal loans below.

Updating your preferences
We found 21 products that match your search

Show: 10 All 21 Results

Company Product Advertised Rate Comparison Rate Application Fees Monthly Repayment Go To Site
Select up to 3 products to compare
IMB Personal Loan Secured 7.94% Fixed 9.14% Comparison Rate $175 Application Fees $313.09 Monthly Repayment Go to Site
bankmecu Home Improvements PL - Eco 8.14% Variable 9.17% Comparison Rate $150 Application Fees $314.01 Monthly Repayment Go to Site
SocietyOne Unsecured Personal Loan 11.05% Fixed 11.05% Comparison Rate $0 Application Fees $327.62 Monthly Repayment Go to Site
Gateway Credit Union Personal Loan 10.49% Variable 11.53% Comparison Rate $149 Application Fees $324.98 Monthly Repayment Go to Site
NRMA Car Loans Secured Personal Loan - Used Car 9.45% Fixed 11.97% Comparison Rate $357.90 Application Fees $320.10 Monthly Repayment Go to Site
RACV Secured Personal Loan 9.45% Fixed 11.97% Comparison Rate $357.90 Application Fees $320.10 Monthly Repayment Go to Site
CUA Fixed Personal Loan 11.99% Fixed 12.83% Comparison Rate $120 Application Fees $332.10 Monthly Repayment Go to Site
St.George Bank Secured Fixed Personal Loan 9.99% Fixed 13.27% Comparison Rate $195 Application Fees $322.62 Monthly Repayment Go to Site
CUA Personal Loan Unsecured 12.99% Variable 13.84% Comparison Rate $120 Application Fees $336.89 Monthly Repayment Go to Site
Suncorp Bank Personal Loan-Unsecured 12.99% Fixed 15.27% Comparison Rate $175 Application Fees $336.89 Monthly Repayment Go to Site
NAB Personal Ln Unsec Fixed 12.99% Fixed 16.12% Comparison Rate $150 Application Fees $336.89 Monthly Repayment Go to Site
NAB Personal Ln Unsec Var 12.99% Variable 16.12% Comparison Rate $150 Application Fees $336.89 Monthly Repayment Go to Site
Aussie Unsecured Loan 12.99% Fixed 16.48% Comparison Rate $199 Application Fees $336.89 Monthly Repayment Go to Site
RACQ Personal Loan (Unsecured) 13.95% Fixed 16.53% Comparison Rate $357.90 Application Fees $341.53 Monthly Repayment Go to Site
RACV Unsecured Personal Loan 13.95% Fixed 16.53% Comparison Rate $357.90 Application Fees $341.53 Monthly Repayment Go to Site
ANZ Fixed Rate Personal Loan-Unsecured 13.95% Fixed 17.04% Comparison Rate $150 Application Fees $341.53 Monthly Repayment Go to Site
St.George Bank Unsecured Fixed Personal Loan 14.35% Fixed 17.59% Comparison Rate $195 Application Fees $343.48 Monthly Repayment Go to Site
360 Finance All-in-One Loan 13.50% Fixed 17.64% Comparison Rate $399 Application Fees $339.35 Monthly Repayment Go to Site
ANZ Variable Rate Personal Loan-Unsec 14.69% Variable 17.78% Comparison Rate $150 Application Fees $345.14 Monthly Repayment Go to Site
Westpac Personal Loan Unsecured 14.39% Fixed 18.24% Comparison Rate $250 Application Fees $343.67 Monthly Repayment Go to Site
Suncorp Bank Personal Overdraft 16.75% Variable 19.81% Comparison Rate $150 Application Fees $355.28 Monthly Repayment Go to Site
Data last updated September 2nd, 2014

Showing all 21 results

Show: 10 All 21 Results

Read our important disclosures and comparison rate warning >