Independent Lending Research

Compare personal loans

Real rates from banks and fintechs. Compared side by side, no affiliate bias.

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Rates updated daily
No credit score impact
Editorial methodology

Recently added

Liberty Financial Personal Loan

niche id personal_loans
loan type personal
provider Liberty Financial
apr min 5.67
apr max 24.99
amount min 3000
amount max 80000
currency AUD
term months min 36
term months max 84
approval time Get personalised rate in minutes
requirements ['Australian citizen or permanent resident', '18 years or older', 'Employed with minimum $20,000 p.a. income']
apr min currency AUD
apr max currency AUD
amount min currency AUD
amount max currency AUD
price snapshots [{'timestamp': '2026-05-08T07:26:00.700915+00:00', 'values': {'apr_min': 5.67, 'apr_max': 24.99}}]
original image url https://www.liberty.com.au/apple-touch-icon.png

B Corp-certified non-bank lender offering both secured (from 5.67% p.a.) and unsecured (from 6.30% p.a.) personal loans up to $80,000 over 3, 5, or 7 years. Known for flexible lending criteria that suit borrowers beyond traditional bank profiles.

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ING Personal Loan

niche id personal_loans
loan type personal
provider ING
apr min 6.19
apr max 19.99
amount min 5000
amount max 60000
currency AUD
term months min 12
term months max 84
approval time Same day for eligible customers
requirements ['Australian citizen or permanent resident', '18 years or older', 'Regular income', 'ING account not required']
apr min currency AUD
apr max currency AUD
amount min currency AUD
amount max currency AUD
price snapshots [{'timestamp': '2026-05-08T07:26:48.392759+00:00', 'values': {'apr_min': 6.19, 'apr_max': 19.99}}]
original image url https://www.ing.com.au/apple-touch-icon.png

Digital-first bank offering fixed-rate personal loans from 6.19% p.a. to 19.99% p.a. for $5,000 to $60,000 over 1-7 years. Competitive rates, no early repayment fees, and fully online application make it a strong mid-market option.

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ANZ Personal Loan

niche id personal_loans
loan type personal
provider ANZ
apr min 7.49
apr max 19.99
amount min 5000
amount max 75000
currency AUD
term months min 12
term months max 84
approval time Apply online
requirements ['Australian citizen or permanent resident', '18 years or older', 'Regular income']
apr min currency AUD
apr max currency AUD
amount min currency AUD
amount max currency AUD
price snapshots [{'timestamp': '2026-05-08T07:26:37.114983+00:00', 'values': {'apr_min': 7.49, 'apr_max': 19.99}}]
original image url https://www.anz.com.au/apple-touch-icon.png

Big-four bank offering fixed and variable rate personal loans from 7.49% p.a. to 19.99% p.a. (comparison rate 8.18% to 20.58% p.a.). Borrow $5,000 to $75,000 over 1 to 7 years with the backing of one of Australias largest banks.

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Commonwealth Bank Personal Loan

niche id personal_loans
loan type personal
provider Commonwealth Bank
apr min 7.25
apr max 22.25
amount min 4000
amount max 50000
currency AUD
term months min 12
term months max 84
approval time Same day for eligible customers
requirements ['Australian citizen or permanent resident', 'Regular income', 'Good credit history for lowest rates']
apr min currency AUD
apr max currency AUD
amount min currency AUD
amount max currency AUD
price snapshots [{'timestamp': '2026-05-08T07:25:20.631912+00:00', 'values': {'apr_min': 7.25, 'apr_max': 22.25}}]
original image url https://www.commbank.com.au/apple-touch-icon.png

Australias largest bank offers fixed and variable rate personal loans from $4,000 to $50,000 over 1 to 7 years, with rates from 7.25% p.a. Secured car loans start from 6.79% p.a.

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Harmoney Personal Loan

niche id personal_loans
loan type personal
provider Harmoney
apr min 5.76
apr max 24.03
amount min 2000
amount max 70000
currency AUD
term months min 24
term months max 84
approval time Fast online approval, funds within 24 hours
requirements ['Australian citizen or permanent resident', '18 years or older', 'Regular income', 'No defaults on credit file']
apr min currency AUD
apr max currency AUD
amount min currency AUD
amount max currency AUD
price snapshots [{'timestamp': '2026-05-08T07:26:13.390190+00:00', 'values': {'apr_min': 5.76, 'apr_max': 24.03}}]
original image url https://www.harmoney.com.au/hubfs/harmoney_logo.svg

ASX-listed fintech offering unsecured personal loans from 5.76% p.a. and secured loans from 5.66% p.a., with up to $70,000 available. 100% online process with personalised rates based on credit profile.

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Plenti Personal Loan

niche id personal_loans
loan type personal
provider Plenti
apr min 6.17
apr max 24.09
amount min 2000
amount max 75000
currency AUD
term months min 12
term months max 84
approval time Funds in as little as 24 hours from approval
requirements ['Australian citizen or permanent resident', '18 years or older', 'Regular income']
apr min currency AUD
apr max currency AUD
amount min currency AUD
amount max currency AUD
price snapshots [{'timestamp': '2026-05-08T07:25:46.039549+00:00', 'values': {'apr_min': 6.17, 'apr_max': 24.09}}]
original image url https://cdn.prod.website-files.com/678e0e7049b23fa262dbfe16/678e0e7149b23fa262dbfe49_Plenti_AppIcon_256.webp

Award-winning fintech lender offering unsecured personal loans from 6.17% p.a. with zero monthly fees, zero early repayment fees, and fast funding within 24 hours of approval. Borrow up to $75,000 over 1-7 years.

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NAB Personal Loan

niche id personal_loans
loan type personal
provider NAB
apr min 7.5
apr max 12.99
amount min 5000
amount max 55000
currency AUD
term months min 12
term months max 84
approval time Apply online
requirements ['Australian citizen or permanent resident', '18 years or older', 'Regular income']
apr min currency AUD
apr max currency AUD
amount min currency AUD
amount max currency AUD
price snapshots [{'timestamp': '2026-05-08T07:27:02.848793+00:00', 'values': {'apr_min': 7.5, 'apr_max': 12.99}}]
original image url https://www.nab.com.au/apple-touch-icon.png

Big-four bank with a notably tight rate band of 7.50% to 12.99% p.a. (comparison 8.54% to 13.96% p.a.), meaning even higher-risk borrowers pay significantly less than at competitors. Currently waiving the $250 application fee until 30 July 2026.

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OurMoneyMarket Personal Loan

niche id personal_loans
loan type personal
provider OurMoneyMarket
apr min 5.95
apr max 18.99
amount min 5000
amount max 75000
currency AUD
term months min 24
term months max 60
approval time Fast online approval
requirements ['Australian citizen or permanent resident', '18 years or older', 'Regular income', 'Good credit history']
apr min currency AUD
apr max currency AUD
amount min currency AUD
amount max currency AUD
price snapshots [{'timestamp': '2026-05-08T07:26:25.060529+00:00', 'values': {'apr_min': 5.95, 'apr_max': 18.99}}]

Fintech lender offering unsecured personal loans from 5.95% p.a. up to $75,000 with no ongoing monthly fees and no early exit fees. Rates reward strong credit profiles with comparison rates matching interest rates from 5.95% p.a.

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Westpac Personal Loan

niche id personal_loans
loan type personal
provider Westpac
apr min 7.0
apr max 21.99
amount min 4000
amount max 50000
currency AUD
term months min 12
term months max 84
approval time Same day for eligible customers
requirements ['Australian citizen or permanent resident', '18 years or older', 'Regular income']
apr min currency AUD
apr max currency AUD
amount min currency AUD
amount max currency AUD
price snapshots [{'timestamp': '2026-05-08T07:27:18.448798+00:00', 'values': {'apr_min': 7.0, 'apr_max': 21.99}}]
original image url https://www.westpac.com.au/etc/designs/wbc/clientlib-all/assets/brand/wbc/png/westpac-57x57.png

Big-four bank with personal loans from 7.00% p.a. to 21.99% p.a. (comparison 8.41% to 23.28% p.a.) for $4,000-$50,000 over 1-7 years. Also offers discounted electric car loans from 6.49% p.a. and secured car loans from 6.99% p.a.

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