Updated on 02 Dec, 2023

RateCity Personal Loan Gold Awards Winners

Finding Australia's best Personal Loans has just been made easier. Select a category below and discover the Personal Loans that have received a coveted RateCity Gold Award.

Best Excellent credit personal loans

Fair Rate Personal Loan Diamond

Fair Rate Personal Loan Diamond

Real Time Rating™

4.95 / 5

Unsecured Personal Loan (Excellent Credit) (Amount > $5000)

Unsecured Personal Loan (Excellent Credit) (Amount > $5000)

Real Time Rating™

4.65 / 5

Low Rate Personal Loan Unsecured (Excellent Credit)

Low Rate Personal Loan Unsecured (Excellent Credit)

Real Time Rating™

4.63 / 5

Personal Loan Fixed

Personal Loan Fixed

Real Time Rating™

4.57 / 5

No Fee Personal Loan

No Fee Personal Loan

Real Time Rating™

4.46 / 5

Personal Loan - Outstanding Credit

Personal Loan - Outstanding Credit

Real Time Rating™

4.43 / 5

Fixed Rate Personal Loan

Fixed Rate Personal Loan

Real Time Rating™

4.33 / 5

Unsecured Personal Loan Fixed

Unsecured Personal Loan Fixed

Real Time Rating™

4.27 / 5

Personal Loan

Personal Loan

Real Time Rating™

4.25 / 5

Personal Loan

Personal Loan

Real Time Rating™

4.25 / 5

Best Green personal loans

Green Loan

Green Loan

Real Time Rating™

4.93 / 5

Green Loan

Green Loan

Real Time Rating™

4.84 / 5

Awards are as at 28/02/2023. There may be some providers or products that have since rebranded to a different name. If you select "Product info", you will be directed to the corresponding product page. If the product has since been removed, you will be directed to the provider page.

For further insight into the Personal Loans Gold Awards, please refer the Awards Methodology.

View Methodology for Personal Loans 2023 Gold Awards

What it means to win a RateCity Gold Award

The cornerstone of the RateCity Gold Awards judging process is our RateCity uses its market-leading system, Real Time Ratings™. We use this data-driven system to compare financial products against a set list of data points. 

Over 4000 financial products across dozens of lenders and providers are analysed by Real Time Ratings™. Each product is given a score out of five based on factors such as rate, fees, features, and flexibility. These scores are updated daily. The products that have a consistently high score are the recipients of a RateCity Gold Award - an accolade that highlights consistent value for consumers.

How RateCity Leaderboards work

Our leaderboards allow you to quickly find and compare the top financial products in each of our key categories.

2023 Gold Awards Categories

RateCity’s Gold Awards recognise the best financial products across six categories as determined by our Real Time Ratings ™ system. Discover the best in Home Loans, Personal Loans, Car Loans, Savings Accounts, Term Deposits and Bank Accounts.