Compare & Save on

Personal Loans

  • If you're looking to borrow money for a holiday, home reno, new car or a wedding, Mozo's expert personal loan comparisons help you find the right options and the cheapest rates. Compare 186 loans from 43 lenders to find the best personal loan for your needs.

  • Where do I find the best personal loan rates?

    While the big banks are still popular options for personal loans, Aussie borrowers are increasingly turning to online lenders for their low rates and fast turnaround times. Many lenders now offer tailored personal loan rates based on your credit history, so borrowers with excellent credit records can generally access the best personal loan rates on the market.

  • How do I apply for a personal loan?

    Applying for a personal loan online is a relatively quick and easy process, with some lenders even guaranteeing a response within 60 seconds. You'll need to supply identification, address details and income and employment, so make sure you have all of this information to hand when applying.

  • How long will it take for my loan to be approved?

    Once your application has been approved, the funds will generally be available to you in as little as one to two days. Some lenders are even willing to go a step further and deliver the funds to your account in just hours, assuming you meet their criteria.

Personal loan comparisons on Mozo - rates updated daily

years
  • MOZO EXPERTS CHOICE 2017

    Unsecured Personal Loan

    Fixed

    • Up to $70,000, unsecured. Fast, easy & 100% online
    • No hidden fees or early repayment penalties with Australasia's leading marketplace lending website
    • You're unique, so is your interest rate

    interest
    rate

    6.99% p.a.to 26.95% p.a.

    comparison
    rate*

    7.69% p.a.to 28.21% p.a.based on $30,000
    over 5 years

    fees

    $500.00upfront
    and
    $0.00/month

    monthly
    repayment**

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

  • Unsecured Personal Loan

    Fixed

    • Apply online and get an instant response in 60 seconds
    • Borrow from $5,000 up to $50,000
    • Fixed set monthly repayment terms to help you manage your budget

    interest
    rate

    9.50% p.a.to 15.99% p.a.

    comparison
    rate*

    10.06% p.a.to 16.53% p.a.based on $30,000
    over 5 years

    fees

    $150.00upfront
    and
    $5.00/month

    monthly
    repayment**

    Terms from 1 to 5 years. Representative example: a 5 year $30,000 loan at 9.50% would cost $38,253.35 including fees.**

  • Lifestyle Personal Loan

    Variable, Unsecured

    • Additional payments accepted
    • No early exit fees
    • Experts Choice Winner 2017 - Australia's Best Bank

    interest
    rate

    11.89% p.a.

    comparison
    rate*

    12.94% p.a.based on $10,000
    over 3 years

    fees

    $150.00upfront
    and
    $0.00/month

    monthly
    repayment**

    Terms from 1 to 10 years. Representative example: a 3 year $10,000 loan at 11.89% would cost $12,088.25 including fees.**

  • Featured product

    Featured product

    Unsecured Personal Loan - Excellent Credit

    Fixed over 5 years

    • Low rates that reward your good credit
    • Apply online in minutes
    • No monthly or early repayment fees

    interest
    rate

    8.10% p.a.to 10.59% p.a.

    comparison
    rate*

    9.36% p.a.to 12.31% p.a.based on $30,000
    over 5 years

    fees

    $300.00upfront
    and
    $0.00/month

    monthly
    repayment**

    5 year term only. Representative example: a 5 year $30,000 loan at 8.10% would cost $36,883.72 including fees.**

  • Headline rate

    Personal Loan

    Variable, Unsecured

    • Borrow from $5,000 - $55,000
    • No fees for extra or early repayments
    • The interest rate shown is a headline rate. The headline rate is the rate that the majority of NAB personal loan customers will get

    interest
    rate

    12.69% p.a.

    comparison
    rate*

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

    fees

    $150.00upfront
    and
    $10.00/month

    monthly
    repayment**

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

  • Secured Personal Loan

    vehicles up to 2 years old, Variable

    • Fast online conditional approval and same day funding available
    • Borrow anything from $10,000 to $75,000 with loan terms up to 10 years
    • Free online redraws and no penalties on early loan payout or lump sum payments

    interest
    rate

    7.99% p.a.

    comparison
    rate*

    8.96% p.a.based on $30,000
    over 5 years

    fees

    $200.00upfront
    and
    $10.00/month

    monthly
    repayment**

    Terms from 1 to 10 years. Representative example: a 5 year $30,000 loan at 7.99% would cost $37,288.90 including fees.**

  • Unsecured Personal Loan

    Variable

    • Unlimited additional repayments and no early payout fee
    • Queensland borrowers only
    • Borrow from $3K to $60K

    interest
    rate

    12.95% p.a.

    comparison
    rate*

    13.25% p.a.based on $30,000
    over 5 years

    fees

    $200.00upfront
    and
    $0.00/month

    monthly
    repayment**

    Terms from 1 to 5 years. Representative example: a 5 year $30,000 loan at 12.95% would cost $41,109.47 including fees.**

  • Discount Unsecured Personal Loan

    Variable

    • $0 establishment fee (save $120) for a limited time only. Conditions apply
    • No penalties for early payout or extra repayments. Free redraw.
    • No monthly fees

    interest
    rate

    10.89% p.a.

    comparison
    rate*

    10.89% p.a.based on $30,000
    over 5 years

    fees

    $0.00upfront
    and
    $0.00/month

    monthly
    repayment**

    Terms from 1 to 7 years. Representative example: a 5 year $30,000 loan at 10.89% would cost $39,037.69 including fees.**

  • General Purpose Personal Loan

    Variable, Unsecured

    • Fast online conditional approval and same day funding available
    • Borrow anything from $3,000 to $50,000 with loan terms up to 7 years
    • Free online redraws and no penalties on early loan payout or lump sum payments

    interest
    rate

    12.99% p.a.

    comparison
    rate*

    16.42% p.a.based on $10,000
    over 3 years

    fees

    $200.00upfront
    and
    $10.00/month

    monthly
    repayment**

    Terms from 1 to 7 years. Representative example: a 3 year $10,000 loan at 12.99% would cost $12,688.09 including fees.**

Want more? Compare all 195 personal loans in the Mozo comparison engine.

Compare more personal loans

Look for a specific type of personal loan:

*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.

Switch & Save Calculator

Compare savings from over 100 personal loans. How much could you save by switching your personal loan? Find out in a few clicks.

Get started

Advertisement