Personal Loan Rates - Calculate Repayments & Compare Savings
Find personal loans from a wide range of Australian lenders that best suit your needs. Compare interest rates, repayments, fees and more.
Calculate your personal loan repayments and savings when switching your personal loan from the Big 4 banks
Borrowers who have switched to smaller, more competitive lenders are saving hundreds of dollars every month. With rates well under 10% now, there’s no better time to switch. Compare your personal loan rate against the latest deals:
We found a range of personal loans that match this criteria
| Company | Product | Advertised Rate | Comparison Rate | Save by switching | Repayment | Upfront Fee | Go To Site |
|---|---|---|---|---|---|---|---|
 | Advertised Rate 5.14% variable | Comparison Rate 7.61% | Save by switching $4k total savings | Repayment $150 weekly over 3 years | Upfront Fee $200 | View Now Compare | |
 | Advertised Rate From 7.65% fixed | Comparison Rate 7.65% | Save by switching $3.2k total savings | Repayment $156 weekly over 3 years | Upfront Fee $0 | View Now Compare | |
 | Advertised Rate From 6.99% fixed | Comparison Rate 7.69% | Save by switching $3.4k total savings | Repayment $154 weekly over 3 years | Upfront Fee $500 | View Now Compare | |
 | Advertised Rate 7.99% fixed | Comparison Rate 8.35% | Save by switching $3.1k total savings | Repayment $157 weekly over 3 years | Upfront Fee $250 | View Now Compare | |
 | Advertised Rate From 7.50% fixed | Comparison Rate 8.79% | Save by switching $3.3k total savings | Repayment $156 weekly over 3 years | Upfront Fee 3% of loan amount | View Now Compare | |
 | Advertised Rate 7.99% variable | Comparison Rate 8.97% | Save by switching $3.1k total savings | Repayment $157 weekly over 3 years | Upfront Fee $200 | View Now Compare | |
 | Advertised Rate 14.78% variable | Comparison Rate 11.99%* | Save by switching $788 total savings | Repayment $173 weekly over 3 years | Upfront Fee $300 | View Now Compare | |
 | Advertised Rate 8.50% fixed | Comparison Rate 9.36% | Save by switching $2.9k total savings | Repayment $158 weekly over 3 years | Upfront Fee $595 | View Now Compare | |
 | Advertised Rate From 9.50% fixed | Comparison Rate 10.06% | Save by switching $2.6k total savings | Repayment $160 weekly over 3 years | Upfront Fee $150 | View Now Compare | |
| Advertised Rate 9.49% variable | Comparison Rate 10.46% | Save by switching $2.6k total savings | Repayment $160 weekly over 3 years | Upfront Fee $200 | View Now Compare |
Low Rate Secured Loan Advertised Rate 5.14% variable Comparison Rate 7.61% Save by switching $4k total savings Repayment $150 weekly over 3 years | |
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Unsecured Loan (Excellent Credit) Advertised Rate From 7.65% fixed Comparison Rate 7.65% Save by switching $3.2k total savings Repayment $156 weekly over 3 years | |
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Unsecured Personal Loan (Excellent Credit) Advertised Rate From 6.99% fixed Comparison Rate 7.69% Save by switching $3.4k total savings Repayment $154 weekly over 3 years | |
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Discounted Personal Loan Advertised Rate 7.99% fixed Comparison Rate 8.35% Save by switching $3.1k total savings Repayment $157 weekly over 3 years | |
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Excellent Credit Personal Loan - Fixed Repayments (Unsecured) Advertised Rate From 7.50% fixed Comparison Rate 8.79% Save by switching $3.3k total savings Repayment $156 weekly over 3 years | |
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Secured Personal Loan (Car < 2 Years) Advertised Rate 7.99% variable Comparison Rate 8.97% Save by switching $3.1k total savings Repayment $157 weekly over 3 years | |
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Unsecured Personal Loan - Diamond (Excellent Credit) Advertised Rate 8.50% fixed Comparison Rate 9.36% Save by switching $2.9k total savings Repayment $158 weekly over 3 years | |
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Personal Loan Fixed Rate Advertised Rate From 9.50% fixed Comparison Rate 10.06% Save by switching $2.6k total savings Repayment $160 weekly over 3 years | |
Compare | |
Secured Personal Loan (Car 2-7 Years) Advertised Rate 9.49% variable Comparison Rate 10.46% Save by switching $2.6k total savings Repayment $160 weekly over 3 years | |
Compare | |
Assumptions | Australian Credit License 316710. *WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. This is an information service. By browsing on the website and/or using our search tools, you are asking RateCity to ...click to read more.provide you with information about products from multiple financial institutions. We will try to show you a range of products in response to your request for information. Offers selected from a range of home loan products in the RateCity database. The results do not include all providers and may not compare all features relevant to you, for further details refer to our FSCG. 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 product, you will deal directly with a financial institution, and not with RateCity. Rates and product information should be confirmed with the relevant financial institution, and you should review the PDS before you decide to purchase. See our terms of use for further details. All numbers are estimates. Check exact details of offers before applying for a loan. Stamp Duty calculations are an approximation and should be verified on the relevant government website. Certain states have conditions for some buyer types and loan amounts that have not been factored into calculations. This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you.
Unsecured Personal Loan
Calculate your personalised rate and repayment estimate in just 1 minute.
FeaturedUnsecured Personal Loan (5 Year Term)
9.78%
11.18%*
ACL:449176 RateSetter terms and conditions
*How we came up with our estimates?
- Estimated savings are calculated by averaging the personal loan interest rates from Australia’s big four banks; averaging the four lowest interest rates for personal loans available through RateCity; and comparing the cost difference when these average interest rates are applied to a $20,000 loan with a three-year term and monthly repayments.
- These estimated savings calculations were made on 8 March 2018.
- Estimated savings are not a guarantee or projection of future savings.
^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.
