This is an information service. By browsing on the website and/or using our search tools, you are asking RateCity to provide you with information about Personal Loans from multiple financial institutions. We will try to show you a range of products in response to your request for information. The search results do not include all provider sand may not compare all features relevant to you, for further details refer to our FSCG. The rating shown is only one factor to take into account when considering these products. See the rating methodology We are not a credit provider, and in giving you product information we are not making any suggestion or recommendation to you about a particular credit product. If you decide to apply for a Personal Loan, you will deal directly with a financial institution, and not with RateCity.

Personal Loan Calculator

Our Personal Loan Calculator helps you estimate your repayments. You can also calculate the interest you might save and the time you can shave off your loan by making additional repayments.

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Learn more about Personal Loans with the following related articles:

Best personal loans

Personal loans can be used for practically any legal function such as paying for tuition fees, debt consolidation, a holiday, a boat, kitchen renovations and even a car. Each lender has their own specific criteria, but as a general rule - if it's legal, you can find a loan for it! Personal loans are a relatively basic kind of financial product.

Consumers can borrow a specific amount of money which is required to be paid back with interest (in equal repayments) over the term of the loan. Make sure you compare rates and don’t pay too much.

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Compare personal loans

Taking out a personal loan can be an effective way to fund important purchases, or consolidate debt. Unlike a credit card, most personal loans require regular, equal repayments. This can provide the forced discipline many people need to pay down their debt in a set timeframe. Make sure you are armed with the right info when choosing a personal loan by using our comparison tools. Personal loans can seem quite standard across the market, but there are still ways to pick the best from the rest.

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Apply for a personal loan

People apply for personal loans for a number of reasons, including funding a holiday, a home renovation, paying for study, and consolidating their other debts. The loan is usually paid back in equal fortnightly or monthly instalments, depending on your needs. You may also choose to Secure your loan by attaching your assets to it (such as a car) in order to gain a lower rate, or leave it Unsecured.

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Unsecured personal loan

Even though a secured personal loan offers a cheaper rate, not everyone may qualify for it. This is because people, such as students, may not have large assets that they can attach to the loan. Unsecured loans generally don't differ from the features of secured loans. However, some may opt for an unsecured loan if they are unsure about their repayments, and would not like to risk their assets. With the option to choose between variable and fixed rates, borrowers are often able to tailor their unsecured loan in the same way as secured loans.

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All interest rates are minimum available for product listed and actual rates offered by lender may vary depending on your individual circumstances and loan amount. The graph above displays total estimated repayment amounts based on principal and interest, in respect of the loan amount, interest rate, term and repayment frequency entered in the Loan Details.

The comparison rate is based on credit of $10,000 and a term of 3 years. The comparison rate applies only to the example given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees and cost savings such as fee waivers are not included in the comparison rate but may influence the cost of the loan. Comparison rates are not calculated for revolving credit products.

Consider whether this general financial advice is right for your personal circumstances. You may need financial advice from a qualified adviser. Read our detailed disclosure here.

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  • Do you need money for an upcoming holiday, want to do some renovations or are you interested in consolidating your existing loans? Whatever the reason, you may require a personal loan.

    RateCity allows you to search, compare and apply from over 400 personal loans. To start comparing just fill in the form at the top of the page for instant results or, you can choose from one of our popular searches at the base of the page.

    To assist you in the process, our Personal Loans Guide shows you what you need to consider when applying for a personal loan. It's an easy step by step guide to help you find your way. Alternatively, if you're not in the market ready to purchase and would rather spend more time researching, head to our news section for all the information on the latest trends and tips on getting the better personal loan.

  • RateCity's Personal Loans Guide provides you with tips and useful information to assist in your decision when purchasing a personal loan.

    Regardless of whether you need more information about your personal loan repayments and how they are calcuated, the fees involved with applying for a personal loan or the range of features available with some personal loans, you will find the answers in this section.

    Be sure to bookmark or print this information to assist with searching RateCity for a personal loan - it's bound to help you find the right loan for your needs, not just any loan. Whether you intend on using the finance for a holiday, new home, vehicle or new business venture the personal loan guide will ensure you make an informed decision. Just as important though is a repayment strategy so be sure to do your research properly.

  • Personal Loan Articles

    This section is necessary for anyone looking at purchasing a Personal Loan or who would like to better understand their Personal Loan and need assistance with the different terms. All the explanations are in plain english, so you'll be an expert in no time.

  • Popular Personal Loan Searches

    • Low Interest Personal Loans

      For the latest low interest personal loans, compare online at RateCity to find a deal to match your repayment style. Choose from an extensive range of low interest personal loans that have been compiled by CANSTAR CANNEX. Click on the link below to start comparing today!

      Find a low interest personal loan

    • Personal Loan Ratings

      CANSTAR CANNEX personal loan ratings compare the major types of secured and unsecured personal loans products in Australia. Products are given a rating out of five stars for their comparative cost and for the array of positive features attached to the loan.

      View personal loan ratings

    • Fixed Rate Personal Loans

      Fixed rate personal loans make it easier to prepare a more reliable budget for the long term, as the repayments will be the same. If you are in the market for such a loan then click on the link to compare products and find one that suits your needs.

      Find a fixed rate personal loan

  • Latest Personal Loan News

    How to finance your renovation

    Dec 08, 2013

    You love the area you live in but your family has outgrown the house. Rather than pack up, sell up and move into new digs, you can renovate your current home to meet your needs and avoid compromisi...

    How to conquer your debt

    Oct 08, 2013

    Australians are saving more than ever, but our household debt remains at high levels. According to the Reserve Bank of Australia, household debt has been consistent at 150 percent of household annu...

    Personal loan or put it on the plastic?

    Aug 19, 2013

    In the credit card versus personal loan debate, it’s important to weigh up costs and benefits.

  • Latest Personal Loan News

    How to escape the debt trap

    Jan 30, 2012

    If your personal debt levels are creeping up, you’re not alone – many Australians continue to battle mounting debt.

    Personal debt levels soar

    Jul 08, 2013

    Personal finance commitments rose to $8.16 billion over the 12 months to April 2013.

    Young Australians file for bankruptcy

    Apr 15, 2013

    In the first three months of this year, 4774 Australians went bankrupt – that’s 53 people per day, according to the federal government’s Insolvency and Trustee Service.

  • Latest Personal Loan News

    Loans with no interest attached

    Nov 01, 2012

    As more Australians slip below the poverty line and struggle to make ends meet, our reliance on credit cards and loan sharks has increased, reports suggest.

    The bucket list that can earn you wealth

    Feb 28, 2011

    Does your ever-growing bucket list include things like trekking the Himalayas or renovating the kitchen, but gets pushed into the too-hard basket from lack of spare cash? Well, you might be surpris...

    Personal loans put you back in the black

    Feb 08, 2010

    If you’re battling an escalating credit card bill, a personal loan could provide a low cost solution. A low-interest balance transfer may sound like an appealing option but a personal loan could pr...

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