Get money ready for Christmas with a low cost personal loan

By Kelly Emmerton · · 1 min read
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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
  • Featured Product Hot Deal A special low rate starting from 5.85% (6.48% comparison rate)
    Low Rate Personal Loan

    Excellent Credit

    interest rate
    comparison rate
    Monthly repayment
    5.85% p.a.to 8.48% p.a.
    6.47% p.a.to 8.84% p.a.based on $30,000
    over 5 years

    OurMoneyMarket offer competitive low rates for borrowers with excellent credit on loans up to $75,000, plus free extra repayments and fee-free redraw facility. Winner of Mozo's Experts Choice Unsecured Personal Loan 2021 award^.

    Repayment terms from 1 year to 7 years. Representative example: a 5 year $30,000 loan at 5.85% would cost $34,923.63 including fees.

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    Details
  • Featured Product
    Mozo Expert Choice Badge
    Unsecured Personal Loan

    Fixed

    interest rate
    comparison rate
    Monthly repayment
    5.95% p.a.to 19.95% p.a.
    5.95% p.a.to 19.95% p.a.based on $30,000
    over 5 years

    Borrow up to $50,000 unsecured. Perfect if you earn more than $22,100 p.a. and have good to excellent credit. Back to back winner of Mozo’s Experts Choice Unsecured Personal Loan Award, 2021 & 2022^.

    Repayment terms from 2 years to 7 years. Representative example: a 5 year $30,000 loan at 5.95% would cost $34,757.21 including fees.

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    Details
  • Featured Product
    Personal Loan

    Unsecured, Fixed, Excellent Credit

    interest rate
    comparison rate
    Monthly repayment
    6.89% p.a.to 8.69% p.a.
    6.89% p.a.to 9.81% p.a.based on $10,000
    over 3 years

    With low rates for borrowers with excellent credit, a quick 1 minute rate estimate and simple online application, there’s a lot to love about this loan! You’ll not only benefit from no exit fees, there are also no early repayment fees. You could qualify by simply earning above $25,000 and you’ll be on the way to start spending (other eligibility criteria may apply).

    Repayment terms from 1 year to 7 years. Representative example: a 3 year $10,000 loan at 6.89% would cost $11,097.66 including fees.

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    Details
  • 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.

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  • 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.

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    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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While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.