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Best Excellent credit personal loans

The top-rated personal loans today for borrowers with an excellent credit score. Assumes an unsecured $20,000 loan on a 36-month loan term.

Ranking
1
1 position up today
Product

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

Real Time Rating™

0.00

/ 5

Winner of Excellent Credit Personal Loans, RateCity Gold Awards 2022

Interest Rate

5.35

% p.a

Fixed up to 24.79%

Comparison Rate*

6.14

% p.a

Fixed up to 25.74%

Company
Monthly repayment

$904

36 months

Features
Redraw facility
Extra repayments
Fully drawn advance
Secured
Go to site
Total Repayments icon

Total repayments for a 3-year, $30,000 loan at 6.14% would be $32,539*. Terms from - years

Winner of Excellent Credit Personal Loans, RateCity Gold Awards 2022

Ranking
2
1 position up today
Product

Low Rate Personal Loan

Real Time Rating™

0.00

/ 5

Winner of Excellent Credit Personal Loans, RateCity Gold Awards 2022

Interest Rate

5.79

% p.a

Variable

Comparison Rate*

5.92

% p.a

Variable

Company
Monthly repayment

$910

36 months

Features
Redraw facility
Extra repayments
Fully drawn advance
Secured
Go to site
Total Repayments icon

Total repayments for a 3-year, $30,000 loan at 5.92% would be $32,753*. Terms from - years

Winner of Excellent Credit Personal Loans, RateCity Gold Awards 2022

Ranking
3
1 position up today
Product

Low Rate Personal Loan

Real Time Rating™

0.00

/ 5

Winner of Excellent Credit Personal Loans, RateCity Gold Awards 2022

Interest Rate

5.79

% p.a

Variable

Comparison Rate*

5.92

% p.a

Variable

Company
Monthly repayment

$910

36 months

Features
Redraw facility
Extra repayments
Fully drawn advance
Secured
Go to site
Total Repayments icon

Total repayments for a 3-year, $30,000 loan at 5.92% would be $32,753*. Terms from - years

Winner of Excellent Credit Personal Loans, RateCity Gold Awards 2022

Ranking
4
1 position up today
Product

Fair Rate Personal Loan Diamond

Real Time Rating™

0.00

/ 5

Winner of Excellent Credit Personal Loans, RateCity Gold Awards 2022

Interest Rate

5.99

% p.a

Variable

Comparison Rate*

6.20

% p.a

Variable

Company
Monthly repayment

$913

36 months

Features
Redraw facility
Extra repayments
Fully drawn advance
Secured
Go to site
Total Repayments icon

Total repayments for a 3-year, $30,000 loan at 6.20% would be $32,851*. Terms from - years

Winner of Excellent Credit Personal Loans, RateCity Gold Awards 2022

Ranking
5
1 position up today
Product

Low Rate Personal Loan Unsecured (Excellent Credit)

Real Time Rating™

0.00

/ 5

Winner of Excellent Credit Personal Loans, RateCity Gold Awards 2022

Interest Rate

6.25

% p.a

Fixed up to 8.99%

Comparison Rate*

6.88

% p.a

Fixed up to 9.63%

Company
Monthly repayment

$916

36 months

Features
Redraw facility
Extra repayments
Fully drawn advance
Secured
Go to site
Total Repayments icon

Total repayments for a 3-year, $30,000 loan at 6.88% would be $32,978*. Terms from - years

special

No extra repayment or early exit fees. Funding approved in 24 hours. Up to $75,000 loan amount

Winner of Excellent Credit Personal Loans, RateCity Gold Awards 2022

Ranking
6
1 position down today
Product

Equity Plus Personal Loan Unsecured

Real Time Rating™

0.00

/ 5

Winner of Excellent Credit Personal Loans, RateCity Gold Awards 2022

Interest Rate

6.34

% p.a

Variable

Comparison Rate*

6.94

% p.a

Variable

Company
Monthly repayment

$917

36 months

Features
Redraw facility
Extra repayments
Fully drawn advance
Secured
Go to site
Total Repayments icon

Total repayments for a 3-year, $30,000 loan at 6.94% would be $33,022*. Terms from - years

Winner of Excellent Credit Personal Loans, RateCity Gold Awards 2022

Ranking
7
6 position down today
Product

Personal Loan - Outstanding Credit

Real Time Rating™

0.00

/ 5

Winner of Excellent Credit Personal Loans, RateCity Gold Awards 2022

Interest Rate

6.95

% p.a

Fixed

Comparison Rate*

6.95

% p.a

Fixed

Company
Monthly repayment

$926

36 months

Features
Redraw facility
Extra repayments
Fully drawn advance
Secured
Go to site
Total Repayments icon

Total repayments for a 3-year, $30,000 loan at 6.95% would be $33,323*. Terms from - years

Winner of Excellent Credit Personal Loans, RateCity Gold Awards 2022

Ranking
8
1 position up today
Product

Personal Loan Fixed

Real Time Rating™

0.00

/ 5

Winner of Excellent Credit Personal Loans, RateCity Gold Awards 2022

Interest Rate

6.75

% p.a

Fixed up to 19.95%

Comparison Rate*

6.75

% p.a

Fixed up to 19.95%

Company
Monthly repayment

$923

36 months

Features
Redraw facility
Extra repayments
Fully drawn advance
Secured
Go to site
Total Repayments icon

Total repayments for a 3-year, $30,000 loan at 6.75% would be $33,224*. Terms from - years

Winner of Excellent Credit Personal Loans, RateCity Gold Awards 2022

Ranking
9
1 position up today
Product

Unsecured Personal Loan

Real Time Rating™

0.00

/ 5
Interest Rate

5.75

% p.a

Variable up to 25.99%

Comparison Rate*

6.68

% p.a

Variable up to 29.2%

Company
Monthly repayment

$909

36 months

Features
Redraw facility
Extra repayments
Fully drawn advance
Secured
Go to site
Total Repayments icon

Total repayments for a 3-year, $30,000 loan at 6.68% would be $32,733*. Terms from - years

Ranking
10
1 position up today
Product

Liberty Personal Loan (Excellent Credit History)

Real Time Rating™

0.00

/ 5

Winner of Excellent Credit Personal Loans, RateCity Gold Awards 2022

Interest Rate

6.95

% p.a

Fixed up to 8.74%

Comparison Rate*

6.95

% p.a

Fixed up to 8.74%

Company
Monthly repayment

$926

36 months

Features
Redraw facility
Extra repayments
Fully drawn advance
Secured
Go to site
Total Repayments icon

Total repayments for a 3-year, $30,000 loan at 6.95% would be $33,323*. Terms from - years

Winner of Excellent Credit Personal Loans, RateCity Gold Awards 2022

Ranking
11
1 position up today
Product

Unsecured Loan (Excellent Credit)

Real Time Rating™

0.00

/ 5

Winner of Excellent Credit Personal Loans, RateCity Gold Awards 2022

Interest Rate

6.95

% p.a

Fixed up to 10.49%

Comparison Rate*

6.95

% p.a

Fixed up to 11.42%

Company
Monthly repayment

$926

36 months

Features
Redraw facility
Extra repayments
Fully drawn advance
Secured
Go to site
Total Repayments icon

Total repayments for a 3-year, $30,000 loan at 6.95% would be $33,323*. Terms from - years

Winner of Excellent Credit Personal Loans, RateCity Gold Awards 2022

Ranking
12
1 position up today
Product

Personal Loan Variable (Excellent Credit)

Real Time Rating™

0.00

/ 5
Interest Rate

6.49

% p.a

Variable up to 15.99%

Comparison Rate*

7.41

% p.a

Variable up to 16.84%

Company
Monthly repayment

$919

36 months

Features
Redraw facility
Extra repayments
Fully drawn advance
Secured
Go to site
Total Repayments icon

Total repayments for a 3-year, $30,000 loan at 7.41% would be $33,096*. Terms from - years

Ranking
13
1 position up today
Product

Personal Loan

Real Time Rating™

0.00

/ 5

Winner of Excellent Credit Personal Loans, RateCity Gold Awards 2022

Interest Rate

6.85

% p.a

Variable up to 13.4%

Comparison Rate*

7.72

% p.a

Variable up to 14.83%

Company
Monthly repayment

$924

36 months

Features
Redraw facility
Extra repayments
Fully drawn advance
Secured
Go to site
Total Repayments icon

Total repayments for a 3-year, $30,000 loan at 7.72% would be $33,273*. Terms from - years

Winner of Excellent Credit Personal Loans, RateCity Gold Awards 2022

Ranking
14
1 position up today
Product

No Fee Joint Personal Loan

Real Time Rating™

0.00

/ 5
Interest Rate

6.75

% p.a

Fixed up to 19.95%

Comparison Rate*

6.75

% p.a

Fixed up to 19.95%

Company
Monthly repayment

$923

36 months

Features
Redraw facility
Extra repayments
Fully drawn advance
Secured
Go to site
Total Repayments icon

Total repayments for a 3-year, $30,000 loan at 6.75% would be $33,224*. Terms from - years

special

Pay no fees over the lifetime of your loan with NOW Finance. T&C’s apply.
Ranking
15
1 position up today
Product

Unsecured Personal Loan

Real Time Rating™

0.00

/ 5
Interest Rate

6.99

% p.a

Variable up to 18.99%

Comparison Rate*

7.91

% p.a

Variable up to 19.83%

Company
Monthly repayment

$926

36 months

Features
Redraw facility
Extra repayments
Fully drawn advance
Secured
Go to site
Total Repayments icon

Total repayments for a 3-year, $30,000 loan at 7.91% would be $33,342*. Terms from - years

special

Borrow from $5,000 to $55,000 with a 1 - 7 year flexible loan term with NAB. Plus enjoy no fees for extra repayments and no early exit fees.
Ranking
16
1 position up today
Product

VIP Personal Loan (existing HL customer)

Real Time Rating™

0.00

/ 5
Interest Rate

7.49

% p.a

Variable

Comparison Rate*

7.49

% p.a

Variable

Company
Monthly repayment

$933

36 months

Features
Redraw facility
Extra repayments
Fully drawn advance
Secured
Go to site
Total Repayments icon

Total repayments for a 3-year, $30,000 loan at 7.49% would be $33,590*. Terms from - years

Ranking
17
1 position up today
Product

Fixed Rate Personal Loan

Real Time Rating™

0.00

/ 5
Interest Rate

6.99

% p.a

Fixed up to 10.99%

Comparison Rate*

7.20

% p.a

Fixed up to 11.21%

Company
Monthly repayment

$926

36 months

Features
Redraw facility
Extra repayments
Fully drawn advance
Secured
Go to site
Total Repayments icon

Total repayments for a 3-year, $30,000 loan at 7.20% would be $33,342*. Terms from - years

special

$100 establishment fee is waived for ING customers
Ranking
18
1 position up today
Product

Unsecured Personal Loan

Real Time Rating™

0.00

/ 5
Interest Rate

7.99

% p.a

Variable

Comparison Rate*

8.20

% p.a

Variable

Company
Monthly repayment

$940

36 months

Features
Redraw facility
Extra repayments
Fully drawn advance
Secured
Go to site
Total Repayments icon

Total repayments for a 3-year, $30,000 loan at 8.20% would be $33,838*. Terms from - years

Ranking
19
1 position up today
Product

Money Me - Personal Loan - Good Credit

Real Time Rating™

0.00

/ 5
Interest Rate

6.95

% p.a

Fixed up to 19.95%

Comparison Rate*

7.64

% p.a

Fixed up to 21.36%

Company
Monthly repayment

$926

36 months

Features
Redraw facility
Extra repayments
Fully drawn advance
Secured
Go to site
Total Repayments icon

Total repayments for a 3-year, $30,000 loan at 7.64% would be $33,323*. Terms from - years

special

Money can be available in your bank account in as little as 60 minutes. Easy online application with low rates, fast approvals, and no early exit fees. Thousands of 5-star customer reviews. Must be employed, with decent credit history.
Ranking
20
1 position up today
Product

Personal Loan

Real Time Rating™

0.00

/ 5
Interest Rate

6.99

% p.a

Variable up to 28%

Comparison Rate*

7.30

% p.a

Variable up to 28.38%

Company
Monthly repayment

$926

36 months

Features
Redraw facility
Extra repayments
Fully drawn advance
Secured
Go to site
Total Repayments icon

Total repayments for a 3-year, $30,000 loan at 7.30% would be $33,342*. Terms from - years