With the promise of a new year right around the corner, Aussies across the country may have already begun dreaming of their 2019 goals and how they plan to achieve them.
And if there’s a trip away, a renovation or even a dream to crush debt waiting for you in 2019, then you might be thinking about taking out a personal loan to help do it.
But if you’ve been spending time shopping around on Christmas gifts instead of looking at personal loans, we’ve searched through our database and pulled out five great personal loan offers to help you start your 2019 with a bang.
Australian Military Bank Unsecured Personal Loan
Variable rates from 7.88% (8.72% comparison rate ^^)
No exit fee
Chance to have $150 deposited into your Online Saver Account
If you like the idea of a rate tailored to your own financial situation, then you might want to give the Australian Military Bank Unsecured Personal Loan - Excellent Credit a try. This loan offers a variable rate starting from 7.88% (8.72% comparison rate^^) for eligible borrowers with an excellent credit history. There are no exit fees if you decide to pay out your loan early and there’s no penalty for extra repayments either. And if you apply and take out an eligible personal loan insurance policy before March 31 2019, you’ll have $150 deposited into your Online Saver Account!
NAB Personal Loan
Variable rates from 12.69% (13.56% comparison rate ^^)
Or if you like the idea of sticking with a big bank, then check out the NAB Personal Loan. The loan currently comes with a headline rate of 12.69% (13.56% comparison rate ^^), which is a rate the majority of customers will receive. Along with no exit fees, extra repayments are welcome with this loan. Plus, you do have the option to redraw any extra repayments if an unexpected bill comes up.
HSBC Unsecured Personal Loan
Fixed rates from 8.50% (9.06% comparison rate ^^)
Apply online and get a response in 60 seconds
No exit fees
If you’re planning to start working on your 2019 goals ASAP and need access to cash fast, look no further. Borrowers with an excellent credit history could have access to the fixed 8.50% interest rate (9.06% comparison rate ^^), borrow up to $50,000 and pay no exit fees. And with the option to make extra repayments you’ll be have the chance to trim your interest bill even further. Simply apply online in just 10 minutes and get a response in 60 seconds!
Or if you like the sound of banking with Australia’s first peer-to-peer lender, then you won’t want to give the Society One Unsecured Personal Loan - Excellent Credit a miss. With personalised fixed rates starting from just 7.50% (9.51% comparison rate^), you’ll also be able to get a quote in only 3 minutes! You won’t have to worry about any monthly or exit fees either, but you will need to consider the $300 upfront fee.
Great Southern Bank Discount Unsecured Personal Loan
10.89% variable rate (11.15% comparison rate ^^)
No monthly or exit fees
Unlimited, free extra repayments
Last but not least is the cua Discount Unsecured Personal Loan. This loan features a 10.89% variable rate (11.15% comparison rate ^^) as well as no monthly or exit fees. You’ll also have a great deal of flexibility, as you can decide on your repayment schedule - either weekly, fortnightly or monthly, plus you’ll have the option of making as many extra repayments as you like at no extra cost.
^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 below, 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. ^Based on $10,000 over 3 years ^^Based on $30,000 over 5 years