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
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Low Rate Personal Loan
Exceptional Credit, $5,000 - $75,000, or up to $100,000 for eligible purposes
interest rate
comparison rate
Monthly repayment6.28% p.a.to 18.99% p.a.6.28% p.a.to 21.78% p.a.based on $30,000
over 5 yearsCompetitive low rates for borrowers with exceptional credit on 1-7 year loans from $5,000 up to $75,000 (or up to $100K for home improvements or car loans); no monthly account keeping fees, no exit fees and no early repayment fees. Winner of Mozo's Experts Choice Excellent Credit Unsecured Personal Loan 2024 and Excellent Credit Secured Personal Loan 2024 awards ^. Min. income of 25k after tax, to apply.
Repayment terms from 1 year to 7 years. Representative example: a 5 year $30,000 loan at 6.28% would cost $35,033.88 including fees.
CompareCompare- interest rate
- 6.28% p.a.to 18.99% p.a.
- comparison rate
- 6.28% p.a.to 21.78% p.a.based on $30,000
over 5 years
- interest rate
- 6.28% p.a.to 18.99% p.a.
- comparison rate
- 6.28% p.a.to 21.78% p.a.based on $30,000
over 5 years
- Upfront fee
- On Application
- Monthly fee
- $0.00
- Exit fee
- $0.00
- Late payment fee
- $35.00
- Repayment options
- Weekly, Fortnightly, Monthly
- Early repayment penalty
- $0.00
- Minimum loan amount
- $5,000.00
- Maximum loan amount
- $75,000.00
- Minimum loan term
- 1 Year
- Maximum loan term
- 7 Years
- Security required
- Unsecured
- Other benefits
- Loan amounts up to $100,000 are available for vehicle purchase or home improvement purposes.
- Other restrictions
- Rate for Exceptional Credit. Upfront fee varies from $0 and is based on your OurMoneyMarket loan grade and total loan amount. The fee is added to the principal amount and paid over the loan term.
Read reviews and learn more about OurMoneyMarket personal loans
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Express Personal Loan
Secured
interest rate
comparison rate
Monthly repayment16.95% p.a.to 29.95% p.a.32.99% p.a.to 45.5% p.a.based on $10,000
over 3 yearsAccess fast finance on loans from $3,000 to $25,000 with a Jacaranda Finance Personal Loan. Terms from 25-36 months. Check if you qualify with no impact on your credit score. Enjoy a speedy, online approval.
Repayment terms from 2 years to 3 years. Representative example: a 3 year $10,000 loan at 16.95% would cost $14,952.03 including fees.
CompareCompare- interest rate
- 16.95% p.a.to 29.95% p.a.
- comparison rate
- 32.99% p.a.to 45.5% p.a.based on $10,000
over 3 years
- interest rate
- 16.95% p.a.to 29.95% p.a.
- comparison rate
- 32.99% p.a.to 45.5% p.a.based on $10,000
over 3 years
- Upfront fee
- $1,190.00
- Monthly fee
- $26.00
- Exit fee
- $0.00
- Late payment fee
- $35.00
- Repayment options
- Weekly, Fortnightly, Monthly
- Early repayment penalty
- 0
- Minimum loan amount
- $3,000.00
- Maximum loan amount
- $25,000.00
- Minimum loan term
- 2 Years
- Maximum loan term
- 3 Years
- Security required
- Various, Vehicle
- Other benefits
- -
- Other restrictions
- Application fee from $125 to $1,190. Additional Risk Fee of $0 to $995 applies. Minimum loan term is 25 months.
Read reviews and learn more about Jacaranda Finance personal loans
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Secured Personal Loan
Exceptional Credit, $5,000-$75,000
interest rate
comparison rate
Monthly repayment6.28% p.a.to 18.99% p.a.6.28% p.a.to 21.78% p.a.based on $30,000
over 5 yearsGet a secured personal loan with competitive low rates for borrowers with exceptional credit. A simple fixed interest rate that can be repaid weekly, fortnightly or monthly, over 1 to 7 years (10 years for Green Loans). Managed entirely online, at any time. No monthly account keeping fees, no exit fees and no early repayment fees. Quick and easy, 100% online application. Establishment fees apply.
Repayment terms from 1 year to 7 years. Representative example: a 5 year $30,000 loan at 6.28% would cost $35,033.88 including fees.
CompareCompare- interest rate
- 6.28% p.a.to 18.99% p.a.
- comparison rate
- 6.28% p.a.to 21.78% p.a.based on $30,000
over 5 years
- interest rate
- 6.28% p.a.to 18.99% p.a.
- comparison rate
- 6.28% p.a.to 21.78% p.a.based on $30,000
over 5 years
- Upfront fee
- On Application
- Monthly fee
- $0.00
- Exit fee
- $0.00
- Late payment fee
- $35.00
- Repayment options
- Weekly, Fortnightly, Monthly
- Early repayment penalty
- $0.00
- Minimum loan amount
- $5,000.00
- Maximum loan amount
- $75,000.00
- Minimum loan term
- 1 Year
- Maximum loan term
- 7 Years
- Security required
- Vehicle
- Other benefits
- Loan amounts up to $100,000 are available for vehicle purchase or home improvement purposes.
- Other restrictions
- Interest rates may vary depending on assessment of application. Upfront fee varies from $0 and is based on your OurMoneyMarket loan grade and total loan amount. The fee is added to the principal amount and paid over the loan term.
Read reviews and learn more about OurMoneyMarket personal loans
Your selected personal loans
Your selected personal loans
Your selected personal loans
* 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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