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Personal loans

If you're looking to borrow money for a holiday, home reno or a new car, Mozo can help compare personal loan interest rates and options. Secured or unsecured, we've got the whole loan market covered so you can find the one that's right for you.

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  • We compare 140 personal loans from 43 banks

  • You could save more than $3400 by switching loans**

  • Over 300,000 people use our site each month

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NAB

NAB Personal Loan (Variable, Unsecured)

  • Rates from 13.39%p.a. (14.26%p.a. comparison rate)
  • No fees for extra or early repayments
  • Weekly, fortnightly, or monthly repayments
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    • People's Choice Credit Union Discounted Personal Loan over 30k (Fixed)
      • No monthly account fees
      • No penalties for early repayments
      • Flexible loan terms and repayment options
    • interest rate from

      6.64%

    • comparison rate from*

      6.99% based on $30,000
      over 5 years

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    • RateSetter Unsecured Personal Loan (Fixed)
      • Low rates for borrowers with good credit
      • 3 min rate estimate, simple online application
      • No monthly fees, no early repayment fees
    • interest rate from

      7.90%

    • comparison rate from*

      9.80% based on $10,000
      over 3 years

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    • IMB Secured Personal Loan (Fixed)
      • Borrow up to $60,000
      • No penalty for early repayments
      • No ongoing fees
    • interest rate from

      7.94%

    • comparison rate from*

      8.19% based on $30,000
      over 5 years

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    • bankmecu Home Improvements Personal Loan (Variable)
      • Free redraw facility
      • Additional payments accepted
      • Borrow from $5,000
    • interest rate from

      8.49%

    • comparison rate from*

      9.52% based on $10,000
      over 3 years

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    • RACV Personal Loan (Fixed, Secured)
      • No ongoing fees
      • Loan approval within 5 business hours
      • Choose to repay over 1 to 7 years
    • interest rate from

      9.45%

    • comparison rate from*

      9.97% based on $30,000
      over 5 years

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    More info
    • bankmecu Lifestyle Personal Loan (Variable, for property owners)
      • Additional payments accepted
      • Borrow from $1,000
      • No early exit fees
    • interest rate from

      9.49%

    • comparison rate from*

      10.53% based on $10,000
      over 3 years

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    • SocietyOne Unsecured Personal Loan (Fixed)
      • No upfront, monthly or early repayment fees
      • Low personalised rates if you have good credit
      • Borrow from $5,000 to $30,000
    • interest rate from

      9.95%

    • comparison rate from*

      9.95% based on $10,000
      over 3 years

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    • GE Money Personal Loan (Fixed, Unsecured)
      • Apply online in 15 minutes and we'll respond in one business day
      • Funds available in 2 business days from approval
      • One fixed regular payment with a clear end date
    • interest rate from

      11.99%

    • comparison rate from*

      13.20% based on $30,000
      over 5 years

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    • IMB Unsecured Personal Loan (Fixed)
      • No ongoing fees
      • Borrow up to $20,000
      • No security required
    • interest rate from

      12.49%

    • comparison rate from*

      13.73% based on $10,000
      over 3 years

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    • Aussie Personal Loan (Fixed, Unsecured)
      • Flexible loan term
      • Extra payments allowed
      • Simple step-by-step online application
    • interest rate from

      12.99%

    • comparison rate from*

      13.94% based on $30,000
      over 5 years

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    More info
    • NAB Personal Loan (Variable, Unsecured)
      • Borrow from $5,000 - $55,000
      • No fees for extra or early repayments
      • Loan terms from 1 to 7 years
    • interest rate from

      13.39%

    • comparison rate from*

      14.26% based on $30,000
      over 5 years

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    • Westpac Personal Flexi Loan (Variable, Unsecured)
      • No fees for additional withdrawals, early repayments or early exit
      • Same day funds for existing approved customers
      • Special interest rate only available to selected partner websites
    • interest rate from

      13.69%

    • comparison rate from*

      n/a

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    More info
    • ANZ Unsecured Personal Loan (Fixed)
      • Loan terms from 1 to 7 years
      • Make extra repayments
      • Borrow from $5K up to $100K
    • interest rate from

      13.95%

    • comparison rate from*

      14.81% based on $30,000
      over 5 years

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    • St.George Unsecured Personal Loan (Fixed)
      • Fast and simple online application
      • Borrow from $3K to $40K
      • Choose to repay your loan from 1 to 5 years
    • interest rate from

      14.35%

    • comparison rate from*

      17.59% based on $10,000
      over 3 years

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    • ANZ Unsecured Personal Loan (Variable)
      • Loan terms from 1 to 7 years
      • Make extra repayments
      • Borrow from $5K up to $100K
    • interest rate from

      14.69%

    • comparison rate from*

      15.55% based on $30,000
      over 5 years

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    • Bank of Melbourne Unsecured Personal Loan (Variable)
      • Borrow from $3K to $40K
      • Flexible repayment options
      • Extra repayments allowed
    • interest rate from

      14.74%

    • comparison rate from*

      17.98% based on $10,000
      over 3 years

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    • BankSA Unsecured Personal Loan (Variable)
      • No security required
      • Borrow between $3K and $40K
      • Fast and simple application required
    • interest rate from

      14.74%

    • comparison rate from*

      17.98% based on $10,000
      over 3 years

    • Go to site
    More info

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a personal loan. The comparison rates displayed are for the amounts and terms quoted, based on monthly principal and interest repayments, on a secured basis for secured loans and an unsecured basis for unsecured loans, and apply only to these examples. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

** Saving based on the average difference in fees and charges over the life of the loan between the most competitive product Mozo can refer a consumer to and the average personal loan product input by 493 consumers (average balance of $19,708, interest rate of 14.9%, monthly fee of $7.80 and loan term of 4.8 years) who used the Mozo Personal Loan Health Check tool between 1 January 2012 to July 2012.

  • Personal loan reviews

      • Commonwealth Bank

        Commonwealth Bank personal loan review

        Great customer service

        1. Overall customer rating
        2. (Reviewed about 6 hours ago)

        I like this bank because I have been with them for many years and they have helped us when we needed it.  Full review 

        I like this bank because I have been with them for many years and they have helped us when we needed it.


          1. Price
          1. Features
          1. Customer service
          1. Convenience
          1. Trust
        Less
        Commonwealth Bank Unsecured Personal Loan personal loan review by Tanya from Queensland

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      • GE Money

        GE Money personal loan review

        Interest free purchases

        1. Overall customer rating
        2. (Reviewed about 6 hours ago)

        We have furnished our home with GE and always pay the loan out well before time. We are aware of interest but never pay it  Full review 

        We have furnished our home with GE and always pay the loan out well before time. We are aware of interest but never pay it


          1. Price
          1. Features
          1. Customer service
          1. Convenience
          1. Trust
        Less
        GE Money Personal Loan personal loan review by Warren from Queensland

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      • Commonwealth Bank

        Commonwealth Bank personal loan review

        Excellent

        1. Overall customer rating
        2. (Reviewed about 6 hours ago)

        I have never had any issues when dealing with CBA. I have held an account with this bank since I was 9 yrs old when I was at primary school holding a Dollarmite account in which I learnt to save at a young age. CBA have always been very helpful an...  Full review 

        I have never had any issues when dealing with CBA. I have held an account with this bank since I was 9 yrs old when I was at primary school holding a Dollarmite account in which I learnt to save at a young age. CBA have always been very helpful and accommodating with any request that I have on the past. I recommend this bank to all my friend and family and have even signed my son up for a dollarmite account when he was 6 months old.


          1. Price
          1. Features
          1. Customer service
          1. Convenience
          1. Trust
        Less
        Commonwealth Bank personal loan review by Melanie

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    • Make a personal loan comparison with Mozo

      Whether you're after a loan to finance a major purchase, take a holiday, fund a renovation or simply consolidate debt, Mozo can guide you through the Australian personal loans maze.

      Our nifty personal loans comparison tools help you find the right loan for your needs. You can also get the inside story on everything from customer service to hidden fees with reviews by the Mozo community.

    • Comparing loan rates and providers

      Personal loans come in all shapes and sizes, so it pays to do your homework to find the best one for your needs. Our loans database lets you compare personal loans rates and fees with ease, and covers all the major providers in Australia.

      You can quickly filter the available loans according to the features you want, such as variable rate loans, fixed rate loans, the ability to make extra repayments, and so on.

      Once you have shortlisted the best personal loan rates for your needs, you can compare your chosen loans side-by-side to pick a winner.

      If you already have a loan and are looking at saving money by switching banks, try our health check tool. It's free and will show you the best loans for your personal situation.

    • Choosing between a secured and unsecured personal loans

      Before you compare personal loans, it helps to work out what sort of loan you want. If you have nothing material to guarantee the loan against, such as a house or car, you may need to look at an unsecured personal loan. An unsecured personal loan will have slightly higher fees and interest rates to offset the lenders risk for taking on your debt. You can find a range of unsecured personal loan providers on our website.

      This page only covers personal loans. Unsecured business loans are available in our business banking section. Personal Loan Calculator

    • Personal Loan Calculator

      Before you commit to a personal loan, it's important to crunch the numbers and work out a realistic budget and repayment plan. Plug the numbers into Mozo's repayment calculator to make sure that you can afford the repayments.

  • Personal loan calculators

    Crunch numbers with our handy calculators.
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