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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 compare 140 loans from 43 banks so you can find the one that's right for you.

Personal loan comparisons on MozoRates updated daily

  • People's Choice Credit Union Discounted Personal Loan over 30k (Fixed)

    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

    Go to site
    • No monthly account fees
    • No penalties for early repayments
    • Flexible loan terms and repayment options
    Product info
    • Other benefits:
    • Upfront fee: $250
    • Monthly fee: $0.00
    • Exit fee:
    • Repayment options: Weekly, Fortnightly, Monthly
    • Security required: Vehicle
    • Minimum loan amount: $30,000.00
    • Maximum loan amount: $100,000.00
    • Minimum loan term: 1 Year
    • Maximum loan term: 10 Years
    Overall rating

    8.1

    Based on 16 People's Choice Credit Union personal loan reviews

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    More info

  • RACQ Secured Personal Loan (Fixed)

    RACQ Secured Personal Loan (Fixed)

    • Loan approval decision within 5 business hours
    • No monthly fees
    • Choose loan terms from 1 to 7 years

    interest rate from

    6.99%

    comparison rate from*

    7.49% based on $30,000
    over 5 years

    Go to site
    • Loan approval decision within 5 business hours
    • No monthly fees
    • Choose loan terms from 1 to 7 years
    Product info
    • Other benefits:
    • Upfront fee: $358
    • Monthly fee: $0.00
    • Exit fee:
    • Repayment options: Weekly, Fortnightly, Monthly
    • Security required: Vehicle
    • Minimum loan amount: $5,000.00
    • Maximum loan amount: $100,000.00
    • Minimum loan term: 1 Year
    • Maximum loan term: 7 Years
    Need more information?
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  • IMB Secured Personal Loan (Fixed)

    IMB Secured Personal Loan (Fixed)

    • Borrow up to $60,000
    • No penalty for early repayments
    • No ongoing fees

    interest rate from

    7.59%

    comparison rate from*

    7.87% based on $30,000
    over 5 years

    Go to site
    • Borrow up to $60,000
    • No penalty for early repayments
    • No ongoing fees
    Product info
    • Other benefits:
    • Upfront fee: $199
    • Monthly fee: $0.00
    • Exit fee: $0.00
    • Repayment options: Monthly
    • Security required: Vehicle
    • Minimum loan amount: $2,000.00
    • Maximum loan amount: $60,000.00
    • Minimum loan term: 1 Year
    • Maximum loan term: 5 Years
    Overall rating

    10.0

    Based on 2 IMB personal loan reviews

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  • RateSetter Unsecured Personal Loan (Fixed)

    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

    Go to site
    • Low rates for borrowers with good credit
    • 3 min rate estimate, simple online application
    • No monthly fees, no early repayment fees
    Product info
    • Other benefits:
    • Upfront fee: $276
    • Monthly fee: $0.00
    • Exit fee: $0.00
    • Repayment options: Monthly
    • Security required: Unsecured
    • Minimum loan amount: $2,001.00
    • Maximum loan amount: $35,000.00
    • Minimum loan term: 1 Year
    • Maximum loan term: 5 Years
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  • bankmecu Home Improvements Personal Loan (Variable)

    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

    Go to site
    • Free redraw facility
    • Additional payments accepted
    • Borrow from $5,000
    Product info
    • Other benefits:
    • Upfront fee: $150
    • Monthly fee: $0.00
    • Exit fee: $0.00
    • Repayment options: Weekly, Fortnightly, Monthly
    • Security required: Residential Property
    • Minimum loan amount: $5,000.00
    • Maximum loan amount:
    • Minimum loan term: 1 Year
    • Maximum loan term: 15 Years
    Overall rating

    8.5

    Based on 2 bankmecu personal loan reviews

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  • SocietyOne Unsecured Personal Loan - AA Rated Borrowers (Fixed)

    SocietyOne Unsecured Personal Loan - AA Rated Borrowers (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

    8.95%

    comparison rate from*

    8.95% based on $10,000
    over 3 years

    Go to site
    • No upfront, monthly or early repayment fees
    • Low personalised rates if you have good credit
    • Borrow from $5,000 to $30,000
    Product info
    • Other benefits:
    • Upfront fee: $0
    • Monthly fee: $0.00
    • Exit fee: $0.00
    • Repayment options: Fortnightly, Monthly
    • Security required: Unsecured
    • Minimum loan amount: $5,000.00
    • Maximum loan amount: $30,000.00
    • Minimum loan term: 1 Year
    • Maximum loan term: 3 Years
    Need more information?
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  • RACV Personal Loan (Fixed, Secured)

    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

    9.25%

    comparison rate from*

    9.77% based on $30,000
    over 5 years

    Go to site
    • No ongoing fees
    • Loan approval within 5 business hours
    • Choose to repay over 1 to 7 years
    Product info
    • Other benefits:
    • Upfront fee: $358
    • Monthly fee: $0.00
    • Exit fee:
    • Repayment options: Fortnightly, Monthly
    • Security required: Residential Property, Vehicle
    • Minimum loan amount: $5,000.00
    • Maximum loan amount:
    • Minimum loan term: 1 Year
    • Maximum loan term: 7 Years
    Overall rating

    8.0

    Based on 1 RACV personal loan reviews

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  • RACQ Unsecured Personal Loan (Fixed)

    RACQ Unsecured Personal Loan (Fixed)

    • Loan approval decision within 5 business hours
    • No monthly fees
    • Choose loan terms from 1 to 7 years

    interest rate from

    9.99%

    comparison rate from*

    n/a

    Go to site
    • Loan approval decision within 5 business hours
    • No monthly fees
    • Choose loan terms from 1 to 7 years
    Product info
    • Other benefits:
    • Upfront fee: $358
    • Monthly fee: $0.00
    • Exit fee:
    • Repayment options: Weekly, Fortnightly, Monthly
    • Security required: Unsecured
    • Minimum loan amount: $5,000.00
    • Maximum loan amount: $20,000.00
    • Minimum loan term: 1 Year
    • Maximum loan term: 7 Years
    Need more information?
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  • DirectMoney Personal Loan (Fixed, Unsecured)

    DirectMoney Personal Loan (Fixed, Unsecured)

    • Borrow today and use the money where you need to
    • 100% online application process
    • For people with excellent credit

    interest rate from

    10.75%

    comparison rate from*

    11.60% based on $30,000
    over 5 years

    Go to site
    • Borrow today and use the money where you need to
    • 100% online application process
    • For people with excellent credit
    Product info
    • Other benefits:
    • Upfront fee: $575
    • Monthly fee: $0.00
    • Exit fee:
    • Repayment options: Monthly
    • Security required: Unsecured
    • Minimum loan amount: $5,000.00
    • Maximum loan amount: $35,000.00
    • Minimum loan term: 3 Years
    • Maximum loan term: 5 Years
    Need more information?
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  • IMB Unsecured Personal Loan (Fixed)

    IMB Unsecured Personal Loan (Fixed)

    • No ongoing fees
    • Borrow up to $20,000
    • No security required

    interest rate from

    12.49%

    comparison rate from*

    13.90% based on $10,000
    over 3 years

    Go to site
    • No ongoing fees
    • Borrow up to $20,000
    • No security required
    Product info
    • Other benefits:
    • Upfront fee: $199
    • Monthly fee: $0.00
    • Exit fee: $0.00
    • Repayment options: Weekly, Fortnightly, Monthly
    • Security required: Unsecured
    • Minimum loan amount: $2,000.00
    • Maximum loan amount: $20,000.00
    • Minimum loan term: 1 Year
    • Maximum loan term: 5 Years
    Overall rating

    10.0

    Based on 2 IMB personal loan reviews

    Need more information?
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  • Aussie Personal Loan (Fixed, Unsecured)

    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

    Go to site
    • Flexible loan term
    • Extra payments allowed
    • Simple step-by-step online application
    Product info
    • Other benefits:
    • Upfront fee: $199
    • Monthly fee: $10.00
    • Exit fee: $0.00
    • Repayment options: Weekly, Fortnightly, Monthly
    • Security required: Unsecured
    • Minimum loan amount: $3,000.00
    • Maximum loan amount: $50,000.00
    • Minimum loan term: 1 Year
    • Maximum loan term: 7 Years
    Overall rating

    5.3

    Based on 15 Aussie personal loan reviews

    Need more information?
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  • NAB Personal Loan (Variable, Unsecured)

    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

    Go to site
    • Borrow from $5,000 - $55,000
    • No fees for extra or early repayments
    • Loan terms from 1 to 7 years
    Product info
    • Other benefits:
    • Upfront fee: $150
    • Monthly fee: $10.00
    • Exit fee: $0.00
    • Repayment options: Weekly, Fortnightly, Monthly
    • Security required: Unsecured
    • Minimum loan amount: $5,000.00
    • Maximum loan amount: $55,000.00
    • Minimum loan term: 1 Year
    • Maximum loan term: 7 Years
    Overall rating

    7.6

    Based on 142 NAB personal loan reviews

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  • ANZ Unsecured Personal Loan (Variable)

    ANZ Unsecured Personal Loan (Variable)

    • Loan terms from 1 to 7 years
    • Make extra repayments
    • Borrow from $5K up to $100K

    interest rate from

    13.69%

    comparison rate from*

    15.55% based on $30,000
    over 5 years

    Go to site
    • Loan terms from 1 to 7 years
    • Make extra repayments
    • Borrow from $5K up to $100K
    Product info
    • Other benefits: If you choose ANZ Loan Protection, you may qualify for a 0.25% p.a. interest rate discount.
    • Upfront fee: $150
    • Monthly fee: $10.00
    • Exit fee: $0.00
    • Repayment options: Weekly, Fortnightly, Monthly
    • Security required: Unsecured
    • Minimum loan amount: $5,000.00
    • Maximum loan amount:
    • Minimum loan term: 1 Year
    • Maximum loan term: 7 Years
    Overall rating

    7.1

    Based on 201 ANZ personal loan reviews

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  • Westpac Personal Flexi Loan (Variable, Unsecured)

    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

    Go to site
    • 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
    Product info
    • Other benefits:
    • Upfront fee: $150
    • Monthly fee: $10.00
    • Exit fee: $0.00
    • Repayment options: Weekly, Fortnightly, Monthly
    • Security required: Unsecured
    • Minimum loan amount: $4,000.00
    • Maximum loan amount: $75,000.00
    • Minimum loan term: 1 Year
    • Maximum loan term: 5 Years
    Overall rating

    7.5

    Based on 145 Westpac personal loan reviews

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  • Commonwealth Bank Unsecured Personal Loan (Variable)

    Commonwealth Bank Unsecured Personal Loan (Variable)

    • Redraw additional repayments you've already made
    • Apply online and get a response in 60 seconds
    • Choose from weekly, fortnightly or monthly repayments

    interest rate from

    13.90%

    comparison rate from*

    14.77% based on $30,000
    over 5 years

    Go to site
    • Redraw additional repayments you've already made
    • Apply online and get a response in 60 seconds
    • Choose from weekly, fortnightly or monthly repayments
    Product info
    • Other benefits:
    • Upfront fee: $150
    • Monthly fee: $10.00
    • Exit fee: $0.00
    • Repayment options: Weekly, Fortnightly, Monthly
    • Security required: Unsecured
    • Minimum loan amount: $5,000.00
    • Maximum loan amount: $50,000.00
    • Minimum loan term: 1 Year
    • Maximum loan term: 7 Years
    Overall rating

    7.3

    Based on 366 Commonwealth Bank personal loan reviews

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  • ANZ Unsecured Personal Loan (Fixed)

    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

    Go to site
    • Loan terms from 1 to 7 years
    • Make extra repayments
    • Borrow from $5K up to $100K
    Product info
    • Other benefits: If you choose ANZ Loan Protection, you may qualify for a 0.25% p.a. interest rate discount.
    • Upfront fee: $150
    • Monthly fee: $10.00
    • Exit fee: $0.00
    • Repayment options: Weekly, Fortnightly, Monthly
    • Security required: Unsecured
    • Minimum loan amount: $5,000.00
    • Maximum loan amount:
    • Minimum loan term: 1 Year
    • Maximum loan term: 7 Years
    Overall rating

    7.1

    Based on 201 ANZ personal loan reviews

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  • St.George Unsecured Personal Loan (Fixed)

    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

    Go to site
    • Fast and simple online application
    • Borrow from $3K to $40K
    • Choose to repay your loan from 1 to 5 years
    Product info
    • Other benefits:
    • Upfront fee: $195
    • Monthly fee: $9.00
    • Exit fee: $0.00
    • Repayment options: Weekly, Fortnightly, Monthly
    • Security required: Unsecured
    • Minimum loan amount: $3,000.00
    • Maximum loan amount: $40,000.00
    • Minimum loan term: 1 Year
    • Maximum loan term: 5 Years
    Overall rating

    7.4

    Based on 62 St.George personal loan reviews

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  • Bank of Melbourne Unsecured Personal Loan (Variable)

    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

    Go to site
    • Borrow from $3K to $40K
    • Flexible repayment options
    • Extra repayments allowed
    Product info
    • Other benefits:
    • Upfront fee: $195
    • Monthly fee: $9.00
    • Exit fee: $0.00
    • Repayment options: Weekly, Fortnightly, Monthly
    • Security required: Unsecured
    • Minimum loan amount: $3,000.00
    • Maximum loan amount: $40,000.00
    • Minimum loan term: 1 Year
    • Maximum loan term: 7 Years
    Overall rating

    5.0

    Based on 3 Bank of Melbourne personal loan reviews

    Need more information?
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  • BankSA Unsecured Personal Loan (Variable)

    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
    • No security required
    • Borrow between $3K and $40K
    • Fast and simple application required
    Product info
    • Other benefits:
    • Upfront fee: $195
    • Monthly fee: $9.00
    • Exit fee: $0.00
    • Repayment options: Weekly, Fortnightly, Monthly
    • Security required: Unsecured
    • Minimum loan amount: $3,000.00
    • Maximum loan amount: $40,000.00
    • Minimum loan term: 1 Year
    • Maximum loan term: 7 Years
    Overall rating

    6.9

    Based on 13 BankSA personal loan reviews

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  Compare

Want more? Compare all personal loans in the Mozo comparison engine.

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* 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.