Independent Lending Research

Compare personal loans

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

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Harmoney Personal Loan

Provider Harmoney
Min APR % 5.76%
Max APR % 24.03%
Min Amount A$2,000
Max Amount A$70,000
Min Term (months) 24 months
Max Term (months) 84 months
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
Type Personal

Harmoney offers a streamlined online personal loan experience, ideal for those seeking quick access to funds without the hassle of branch visits.

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Plenti Secured Car Loan

Provider Plenti
Min APR % 7.49%
Min Amount A$5,000
Max Amount A$75,000
Min Term (months) 36 months
Max Term (months) 84 months
Approval Time Personalised rate in as little as 60 seconds; average settlement about 24 hours
Requirements Australian resident, Credit assessment required, Vehicle used as security for secured loan
Type Car_finance

Plenti's secured car loan is a suitable option for those needing a flexible loan for their vehicle, especially with quick approval.

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Commonwealth Bank Personal Loan

Provider Commonwealth Bank
Min APR % 7.25%
Max APR % 22.25%
Min Amount A$4,000
Max Amount A$50,000
Min Term (months) 12 months
Max Term (months) 84 months
Approval Time Same day for eligible customers
Requirements Australian citizen or permanent resident, Regular income, Good credit history for lowest rates
Type Personal

The Commonwealth Bank Personal Loan offers competitive rates and flexible terms, making it a solid choice for eligible borrowers.

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Liberty Financial Personal Loan

Provider Liberty Financial
Min APR % 5.67%
Max APR % 24.99%
Min Amount A$3,000
Max Amount A$80,000
Min Term (months) 36 months
Max Term (months) 84 months
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
Type Personal

Liberty Financial offers accessible personal loans tailored for those with less-than-perfect credit histories, making it a viable option for many borrowers.

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Plenti Personal Loan

Provider Plenti
Min APR % 6.17%
Max APR % 24.09%
Min Amount A$2,000
Max Amount A$75,000
Min Term (months) 12 months
Max Term (months) 84 months
Approval Time Funds in as little as 24 hours from approval
Requirements Australian citizen or permanent resident, 18 years or older, Regular income
Type Personal

Plenti offers a flexible personal loan option for those looking to build their credit. However, the lack of a dedicated page means information may be limited.

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