Personal loans from 3.15%
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 loans repayments and savings when switching your personal loans 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 car loan rate against the latest deals:
Product | Advertised Rate | Comparison Rate* | Company | Save by switching | Repayment | Upfront Fee | Go to site | ||
|---|---|---|---|---|---|---|---|---|---|
7.95% Fixed up to 8.5% | 8.78% |  | $3.1k total savings | $144 based on $20,000 loan amount for 3 years | $595 | Tech-savvy borrowers can join this digital lender, without needing to put down security. More details | Highlighted | ||
6.95% Fixed up to 17.95% | 8.57% |  | $3.5k total savings | $142 based on $20,000 loan amount for 3 years | $495 | Make the most of this unsecured personal loan's competitive interest rate with no fees for extra repayments. More details | |||
6.95% Fixed | 6.95% |  | $3.5k total savings | $142 based on $20,000 loan amount for 3 years | $0 | An unsecured personal loan with a competitive interest rate and no ongoing or extra repayments fees, giving you the flexibility to pay it off faster. More details | |||
6.49% Fixed up to 8.99% | 6.84% |  | $3.6k total savings | $141 based on $20,000 loan amount for 3 years | $149 up to $599 | Enjoy lower rates and no early repayment fees with this 2020 RateCity Personal Loan Gold Award Winner. More details | |||
6.49% Fixed up to 19.49% | 7.75% |  | $3.6k total savings | $141 based on $20,000 loan amount for 3 years | $140 up to $250 . $140 for loans < $5000. $250 for loans > $5000 | More details | |||
6.99% Fixed up to 9.49% | 6.99% |  | $3.4k total savings | $142 based on $20,000 loan amount for 3 years | $0 up to $995 Establishment fee from 0% | More details | |||
7.65% Fixed up to 10.49% | 7.65% |  | $3.2k total savings | $144 based on $20,000 loan amount for 3 years | $0 up to $950 | More details | |||
5.75% Variable up to 9.99% | 6.47% |  | $3.8k total savings | $140 based on $20,000 loan amount for 3 years | 0% of loan amount up to 5% | More details | |||
12.69% Fixed | 13.56% |  | $1.5k total savings | $154 based on $20,000 loan amount for 3 years | $150 | More details | |||
10.50% Fixed | 11.38% |  | $2.3k total savings | $150 based on $20,000 loan amount for 3 years | $150 | More details |
*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.
Nick Bendel
Property Personal Finance Writer
A property and personal finance writer, Nick Bendel covers property, loans, credit cards, superannuation, and other bank products. Nick has previously written for The Adviser, Mortgage Business, Lifehacker, Business Insider, Yahoo Finance, and InvestorDaily, and loves getting elbow-deep in the latest ABS, APRA and RBA data.