Cheap personal loans*

For many borrowers seeking personal loans, the question that's ultimately at the back of their mind is "what's the cheapest?"

When looking for the cheapest personal loan, you should compare:

  • Interest rates
  • Features
  • Fees and charges

This will help you to work out which lenders will cover your expenses or consolidate your debts without costing more than you can afford. By looking at the features and benefits offered by different lenders, you can work out which cheap personal loans can provide the greatest value for your money.

 

Find and compare cheapest personal loans

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Product
Advertised Rate
Comparison Rate*
Company
Monthly repayment
Loan term
Total repayments
Real Time Rating™
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5.60%

Variable

5.70%

Family First Credit Union

$907

36 months

0 year to 10 years

4.41

/ 5
More details

6.99%

Fixed up to 25.69%

7.79%

Harmoney

$926

36 months

3 years

3.87

/ 5
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More details

3.15%

Variable

4.10%

Australian Military Bank

$874

36 months

1 year to 7 years

4.84

/ 5
More details

4.45%

Variable

4.65%

Endeavour Mutual Bank

$892

36 months

0 year to 7 years

4.71

/ 5
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4.61%

Variable

11.42%

Coastline Credit Union

$894

36 months

1 year to 7 years

4.65

/ 5
More details

4.61%

Variable

5.96%

Coastline Credit Union

$894

36 months

1 year to 7 years

4.65

/ 5
More details

4.64%

Variable

4.91%

Community First Credit Union

$894

36 months

0 year to 10 years

4.50

/ 5
More details

4.95%

Fixed

4.95%

Hume Bank

$898

36 months

1 year to 5 years

4.68

/ 5
More details

4.69%

Variable

4.69%

Police Credit Union

$895

36 months

1 year to 7 years

4.51

/ 5
More details

5.31%

Variable

5.59%

Bank of us

$903

36 months

0.5 year to 10 years

4.41

/ 5
More details

5.60%

Variable up to 5.74%

5.60%

Family First Credit Union

$907

36 months

0 year to 10 years

4.41

/ 5
More details

5.04%

Variable

5.64%

Summerland Credit Union

$900

36 months

0 year to 7 years

4.40

/ 5
More details

4.85%

Fixed up to 11.9%

5.71%

Australian Military Bank

$897

36 months

1 year to 5 years

4.52

/ 5
More details

4.85%

Variable up to 11.9%

5.71%

Australian Military Bank

$897

36 months

1 year to 7 years

4.54

/ 5
More details

5.59%

Fixed

5.86%

Credit Union SA

$907

36 months

1 year to 7 years

4.43

/ 5
More details

5.25%

Variable

5.64%

Illawarra Credit Union

$902

36 months

1 year to 5 years

4.32

/ 5
More details

5.79%

Variable

5.92%

Bank of Heritage Isle

$910

36 months

1 year to 7 years

4.37

/ 5
More details

5.79%

Variable

5.92%

Bank of Heritage Isle

$910

36 months

1 year to 7 years

4.33

/ 5
More details

5.79%

Variable

5.92%

Police Bank

$910

36 months

1 year to 7 years

4.39

/ 5
More details

5.79%

Fixed

5.92%

Police Bank

$910

36 months

1 year to 7 years

4.39

/ 5
More details

5.79%

Variable

5.92%

Police Bank

$910

36 months

1 year to 7 years

4.39

/ 5
More details

5.99%

Variable

5.99%

Central West Credit Union

$913

36 months

1 year to 7 years

4.22

/ 5
More details

5.89%

Variable

6.10%

Horizon Bank

$911

36 months

0 year to 10 years

4.46

/ 5
More details

5.95%

Fixed

6.16%

Hume Bank

$912

36 months

1 year to 5 years

4.36

/ 5
More details

5.99%

Fixed

6.62%

WAW Credit Union

$913

36 months

1 year to 7 years

4.30

/ 5
More details

5.99%

Fixed

6.62%

WAW Credit Union

$913

36 months

1 year to 7 years

4.30

/ 5
More details

5.99%

Variable

6.26%

Community First Credit Union

$913

36 months

1 year to 10 years

4.31

/ 5
More details

5.99%

Variable

6.26%

Community First Credit Union

$913

36 months

1 year to 10 years

4.31

/ 5
More details

5.99%

Variable up to 7.99%

6.26%

Community First Credit Union

$913

36 months

1 year to 10 years

4.31

/ 5
More details

5.99%

Variable

7.71%

Horizon Bank

$913

36 months

0 year to 10 years

4.39

/ 5
More details

6.25%

Variable

6.50%

GMCU

$916

36 months

1 year to 7 years

4.15

/ 5
More details

6.44%

Variable

6.68%

First Option Bank Ltd

$919

36 months

1 year to 7 years

4.21

/ 5
More details

6.09%

Variable

6.69%

Summerland Credit Union

$914

36 months

0 year to 7 years

4.22

/ 5
More details

6.70%

Fixed

6.70%

AWA Alliance Bank

$922

36 months

1 year to 7 years

4.12

/ 5
More details

6.75%

Variable

6.78%

Laboratories Credit Union

$923

36 months

1 year to 7 years

4.24

/ 5
More details

6.45%

Fixed

6.80%

IMB Bank

$919

36 months

1 year to 5 years

4.10

/ 5
More details

6.49%

Fixed

6.88%

Beyond Bank Australia

$919

36 months

0 year to 7 years

4.16

/ 5
More details

6.49%

Fixed

6.88%

Greater Bank

$919

36 months

1 year to 7 years

4.23

/ 5
More details

6.95%

Fixed up to 17.95%

8.57%

Pepper

$926

36 months

1 year to 7 years

3.63

/ 5
More details

5.99%

Variable

6.20%

G&C Mutual Bank

$913

36 months

0 year to 7 years

4.37

/ 5
More details

6.69%

Fixed

7.04%

Newcastle Permanent

$922

36 months

1 year to 7 years

4.10

/ 5
More details

6.90%

Fixed

7.17%

Police Credit Union

$925

36 months

0 year to 5 years

4.08

/ 5
More details

6.49%

Fixed

7.19%

RACV

$919

36 months

1 year to 5 years

4.01

/ 5