Get money ready for Christmas with a low cost personal loan

Between dealing with in-laws, last-minute shopping trips and the office secret santa, Christmas can be a super stressful time - especially if you’ve got one eye on a dwindling bank balance the whole time.

So as the silly season approaches, you may be looking for a better way to handle your holiday finances. Well, we’ve got a solution: a personal loan.

Looking for a budget-friendly way to fund big holiday spends like an end of year family trip? You can snag a silly season bargain with unsecured personal loans on offer with rates as low as 7.65%.

Stressing about the fact that all that Christmas spending is going right on top of pricey car loan repayments or a mounting credit card bill? Get your finances in order by consolidating existing debts into one low rate personal loan, so all your different repayments will be lumped into one neat and tidy amount for you to pay each month.

If you’re ready to sort your Christmas spending out with a low rate personal loan, take a look at the top offers in the table below.

Top personal loans - last updated 2 July 2022

Search promoted personal loans below or do a full Mozo database search . Advertiser disclosure
  • Unsecured Personal Loan

    Fixed

    interest rate
    comparison rate
    Monthly repayment
    5.35% p.a.to 19.09% p.a.
    6.14% p.a.to 19.99% p.a.based on $30,000
    over 5 years

    Fast, easy and 100% online, this is a low cost loan with no ongoing fees or extra repayment penalties. It's perfect for savvy borrowers with great credit. If you’re over 18 and earn above $30,000, you could qualify (other eligibility criteria may apply).

    Repayment terms from 3 years to 7 years. Representative example: a 5 year $30,000 loan at 5.35% would cost $34,832.61 including fees.

    Details
  • Unsecured Personal Loan

    Fixed

    interest rate
    comparison rate
    Monthly repayment
    6.95% p.a.to 17.95% p.a.
    7.78% p.a.to 18.37% p.a.based on $30,000
    over 5 years

    Wisr offers personal loans for any worthwhile purpose, tailored to your credit score to ensure you’re getting a fair deal. Plus, no ongoing or early exit fees. Loans from $5,000 to $79,000. Terms of either 3, 5 or 7 years. $595 establishment fee. Eligibility criteria applies.

    Repayment terms from 3 years to 5 years. Representative example: a 5 year $30,000 loan at 6.95% would cost $36,194.71 including fees.

    Details

* WARNING: 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. 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.

^See information about the Mozo Experts Choice Personal Loan Awards

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