Top Personal Loans Compared

Looking for a fast personal loan that won't cost you an arm and a leg? Mozo’s expert personal loan comparisons help you find the right options and the cheapest rates from Australia's top lenders. Apply online in minutes and access rates  from under 8.00% for good credit borrowers.

Best Personal Loans  - page last updated January 20, 2020

interest rate
comparison rate*
monthly repayment**

I want to borrow

years

  • 8.00% p.a.

    8.21% p.a.based on $30,000
    over 5 years

    Terms from 1 to 7 years. Representative example: a 5 year $30,000 loan at 8.00% would cost $36,647.51 including fees.

      Compare
    Details
  • 5.75% p.a.to 19.99% p.a.

    6.89% p.a.to 23.07% p.a.based on $30,000
    over 5 years

    Terms from 1 to 7 years. Representative example: a 5 year $30,000 loan at 5.75% would cost $35,490.18 including fees.

      Compare
    Details
  • 6.99% p.a.to 28.69% p.a.

    7.69% p.a.to 29.55% p.a.based on $30,000
    over 5 years

    Terms from 1 to 5 years. Representative example: a 5 year $30,000 loan at 6.99% would cost $36,133.67 including fees.

      Compare
    Details
  • 7.99% p.a.

    8.35% p.a.based on $30,000
    over 5 years

    Terms from 1 to 10 years. Representative example: a 5 year $30,000 loan at 7.99% would cost $36,738.90 including fees.

      Compare
    Details
  • mozo-experts-choice-2019

    6.79% p.a.

    8.83% p.a.based on $10,000
    over 3 years

    Terms from 1 to 5 years. Representative example: a 3 year $10,000 loan at 6.79% would cost $11,380.22 including fees.

      Compare
    Details
  • 7.65% p.a.to 26.99% p.a.

    7.65% p.a.to 23.5% p.a.based on $30,000
    over 5 years

    Terms from 3 to 7 years. Representative example: a 5 year $30,000 loan at 7.65% would cost $36,196.75 including fees.

      Compare
    Details
  • 4.69% p.a.

    7.16% p.a.based on $10,000
    over 3 years

    Terms from 1 to 10 years. Representative example: a 3 year $10,000 loan at 4.69% would cost $11,119.49 including fees.

      Compare
    Details
  • 12.69% p.a.to 18.69% p.a.

    13.56% p.a.to 19.53% p.a.based on $30,000
    over 5 years

    Terms from 1 to 7 years. Representative example: a 5 year $30,000 loan at 12.69% would cost $41,420.45 including fees.

      Compare
    Details
  • 12.45% p.a.

    13.32% p.a.based on $30,000
    over 5 years

    Terms from 1 to 7 years. Representative example: a 5 year $30,000 loan at 12.45% would cost $41,200.53 including fees.

      Compare
    Details
  • 9.89% p.a.

    10.14% p.a.based on $30,000
    over 5 years

    Terms from 1 to 7 years. Representative example: a 5 year $30,000 loan at 9.89% would cost $38,322.33 including fees.

      Compare
    Details
  • 8.50% p.a.to 16.99% p.a.

    9.06% p.a.to 17.53% p.a.based on $30,000
    over 5 years

    Terms from 1 to 5 years. Representative example: a 5 year $30,000 loan at 8.50% would cost $37,379.76 including fees.

      Compare
    Details
  • 9.35% p.a.

    9.67% p.a.based on $30,000
    over 5 years

    Terms from 1 to 7 years. Representative example: a 5 year $30,000 loan at 9.35% would cost $37,896.54 including fees.

      Compare
    Details
  • 7.95% p.a.to 16.95% p.a.

    9.56% p.a.to 18.53% p.a.based on $30,000
    over 5 years

    Terms from 2 to 7 years. Representative example: a 5 year $30,000 loan at 7.95% would cost $37,729.45 including fees.

      Compare
    Details
  • 12.45% p.a.

    13.32% p.a.based on $30,000
    over 5 years

    Terms from 1 to 7 years. Representative example: a 5 year $30,000 loan at 12.45% would cost $41,200.53 including fees.

      Compare
    Details
  • 9.99% p.a.

    11.74% p.a.based on $10,000
    over 3 years

    Terms from 1 to 7 years. Representative example: a 3 year $10,000 loan at 9.99% would cost $11,864.50 including fees.

      Compare
    Details

Want more personal loan options?

Browse all 226 personal loans in Mozo's comparison database

Your selected personal loans

*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 calculated based on a loan of $30,000 for a term of 5 years or a loan of $10,000 for a term of 3 years as indicated, based on monthly principal and interest repayments, on a secured basis for secured loans and an unsecured basis for unsecured loans. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

**Representative example figures and monthly repayment figures are estimates only, based on the advertised rate, mandatory fees, loan amount and term entered. Rates, fees and charges and therefore the total cost of the loan may vary depending on your loan amount, loan term, and credit history. Actual repayments will depend on your individual circumstances and interest rate changes.

^See information about the Mozo Experts Choice Personal Loans Awards

Switch & Save Calculator

How much could you save by switching your personal loan? Compare savings from over 200 personal loans. Find out in a few clicks.

Get started

Advertisement
NEW Mozo Rate Matcher

We can match you to rates that fit.

Personal loan resources

Reviews, news, tips and guides to help find the best personal loan for you.

Personal Loan Reviews

St.George Secured Personal Loan review
Overall 1/10
Horrible communication skills.

After having a loan approved and signing my documents, they then proceeded to not contact me and tell me they required payslips, these were sent through and they then decided they wanted my bank statements as well and also did not communicate this to me, after calling 6 times in 2 weeks my application still hasn’t been processed.

Read full review

After having a loan approved and signing my documents, they then proceeded to not contact me and tell me they required payslips, these were sent through and they then decided they wanted my bank statements as well and also did not communicate this to me, after calling 6 times in 2 weeks my application still hasn’t been processed.

Price
0/10
Features
0/10
Customer service
0/10
Convenience
0/10
Trust
0/10
Less
Victoria, New South Wales reviewed about 2 months ago
Commonwealth Bank Personal Loan review
Overall 8/10
Review for personal loan.

The reason I didn’t give 10 out of 10, is because nothing and no one is perfect but overall, i’m pretty satisfied with commbank and their customer service. They give me all the information in layman’s terms and are happy to help.

Read full review

The reason I didn’t give 10 out of 10, is because nothing and no one is perfect but overall, i’m pretty satisfied with commbank and their customer service. They give me all the information in layman’s terms and are happy to help.

Price
9/10
Features
9/10
Customer service
10/10
Convenience
9/10
Trust
8/10
Less
Crystal, South Australia reviewed about 1 month ago
Westpac Personal Loan review
Overall 8/10
Quick response time.

I like the fact that I could apply online and have an immediate response.

Read full review

I like the fact that I could apply online and have an immediate response.

Price
3/10
Features
5/10
Customer service
9/10
Convenience
10/10
Trust
7/10
Less
Sylvia, Western Australia reviewed about 1 month ago

Personal loan guides

Calculators