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Personal Loans Leaderboard

Looking for a top-rated personal loan offers on the market? Compare personal loan ratings and see how we’ve ranked current Australian personal loans.

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
6 position up today
Product

Personal Loan - Excellent Credit

Real Time Rating™

0.00

/ 5

Winner of Excellent Credit Personal Loans, RateCity Gold Awards 2022

Interest Rate

5.24

% p.a

Fixed up to 6.99%

Comparison Rate*

5.24

% p.a

Fixed up to 6.99%

Company
Monthly repayment

$602

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

Total repayments for a -year, $0 loan at 5.24% would be $21,657*. Terms from - years

Winner of Excellent Credit Personal Loans, RateCity Gold Awards 2022

Ranking
2
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

$603

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

Total repayments for a -year, $0 loan at 6.14% would be $21,692*. 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

$607

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

Total repayments for a -year, $0 loan at 5.92% would be $21,835*. Terms from - years

Winner of Excellent Credit Personal Loans, RateCity Gold Awards 2022

Ranking
4
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

$607

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

Total repayments for a -year, $0 loan at 5.92% would be $21,835*. Terms from - years

Winner of Excellent Credit Personal Loans, RateCity Gold Awards 2022

Ranking
5
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

$608

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

Total repayments for a -year, $0 loan at 6.20% would be $21,901*. Terms from - years

Winner of Excellent Credit Personal Loans, RateCity Gold Awards 2022

New personal loan lender

The top-rated personal loans today for borrowers with an excellent credit score. This only includes products new to the market within the past year. Assumes an unsecured $20,000 loan on a 36-month loan term.

Ranking
1
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

$611

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

Total repayments for a -year, $0 loan at 6.88% would be $21,985*. 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

Best Green personal loans

The top-rated secured and unsecured personal loans today for those borrowing for sustainability purposes, such as installing solar panels and energy-efficient white goods. Assumes a $10,000 loan on a 36-month loan term.

Ranking
1
1 position up today
Product

Green Loan

Real Time Rating™

0.00

/ 5

Winner of Best Green Personal Loans, RateCity Gold Awards 2022

Interest Rate

3.99

% p.a

Variable

Comparison Rate*

4.76

% p.a

Variable

Company
Monthly repayment

$590

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

Total repayments for a -year, $0 loan at 4.76% would be $21,254*. Terms from - years

Winner of Best Green Personal Loans, RateCity Gold Awards 2022

Ranking
2
1 position up today
Product

Green Loan

Real Time Rating™

0.00

/ 5
Interest Rate

4.15

% p.a

Variable

Comparison Rate*

5.09

% p.a

Variable

Company
Monthly repayment

$592

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

Total repayments for a -year, $0 loan at 5.09% would be $21,305*. Terms from - years

Ranking
3
1 position up today
Product

Green Eco Loan

Real Time Rating™

0.00

/ 5
Interest Rate

3.99

% p.a

Variable

Comparison Rate*

5.15

% p.a

Variable

Company
Monthly repayment

$590

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

Total repayments for a -year, $0 loan at 5.15% would be $21,254*. Terms from - years

Ranking
4
1 position up today
Product

Green Loan

Real Time Rating™

0.00

/ 5
Interest Rate

5.79

% p.a

Fixed

Comparison Rate*

5.92

% p.a

Fixed

Company
Monthly repayment

$607

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

Total repayments for a -year, $0 loan at 5.92% would be $21,835*. Terms from - years

Ranking
5
1 position up today
Product

Green Loan

Real Time Rating™

0.00

/ 5
Interest Rate

6.49

% p.a

Fixed

Comparison Rate*

6.63

% p.a

Fixed

Company
Monthly repayment

$613

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

Total repayments for a -year, $0 loan at 6.63% would be $22,064*. Terms from - years

The 2022 Home Loan Award Winners