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Unsecured Personal Loans

  • After a loan for a car, holiday or unexpected household expense? An unsecured loan could help you to get what you need now and pay for it over time. Check out the table below for some current unsecured personal loan deals on the market.

  • What does an unsecured loan mean?

    If you take out an unsecured personal loan this means that you will not have to offer any assets as security for the loan. Unsecured personal loans generally have a higher interest rate, have shorter loan term and loan amount maximums. See how it differs from secured personal loans.

  • Do unsecured loans have fixed or variable interest rates?

    Many lenders will give you the option to choose a fixed or a variable rate for your unsecured personal loan. With unsecured loans there may not be a big difference between the interest rate of a variable rate loan and a fixed loan, the difference will be in the features like extra repayments, redraws and fees if you decide to pay out the loan early.

  • How do I apply for an unsecured personal loan?

    That's easy. Once you have found the best unsecured personal loan for your needs, click on the blue, go to site button. You'll be directed to the online application. Many lenders have fast 20 minute approvals so get all the info you'll need like proof of employment, bank statements and utility bills and apply.

Personal loan comparisons on Mozo Rates updated daily

  • MOZO EXPERTS CHOICE AWARDS 2016

    RateSetter Unsecured Personal Loan - 1 Year Term (Variable)

    RateSetter Unsecured Personal Loan - 1 Year Term (Variable)

    • Low rates for borrowers with good credit
    • 1 min rate estimate, simple online application
    • No exit fees, no early repayment fees

    interest rate

    5.10% p.a.to 5.60% p.a.

    comparison rate*

    6.46% p.a.to 6.96% p.a.based on $10,000
    over 3 years

    Go to site

    More info

    Terms from 1 to 5 years. Representative example: a 3 year $10,000 loan at 5.10% would cost $11,005.69 including fees.

    • Low rates for borrowers with good credit
    • 1 min rate estimate, simple online application
    • No exit fees, no early repayment fees
    • Other benefits:
    • Upfront fee: $200
    • Monthly fee: $0.00
    • Exit fee: $0.00
    • Repayment options: Monthly
    • Security required: Unsecured
    • Minimum loan amount: $2,001.00
    • Maximum loan amount: $45,000.00
    • Minimum loan term: 1 Year
    • Maximum loan term: 5 Years
    Need more information?
    Go to site

    More info

  • HSBC Unsecured Personal Loan (Fixed)

    HSBC 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.

    comparison rate*

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

    Go to site

    More info

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

    • 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
    • Other benefits:
    • Upfront fee: $150
    • Monthly fee: $5.00
    • Exit fee: $0.00
    • Repayment options: Monthly
    • Security required: Unsecured
    • Minimum loan amount: $5,000.00
    • Maximum loan amount: $50,000.00
    • Minimum loan term: 1 Year
    • Maximum loan term: 5 Years
    Overall rating

    7.0

    Based on 4 HSBC personal loan reviews

    Need more information?
    Go to site

    More info

  • now FINANCE Unsecured Personal Loan - Excellent Credit (Fixed)

    now FINANCE Unsecured Personal Loan - Excellent Credit (Fixed)

    • Get rewarded for a great credit history
    • Know your Interest Rate before you Apply (rate based on your credit history)
    • Apply Online up to $40K over 7 years

    interest rate

    9.95% p.a.to 11.95% p.a.

    comparison rate*

    11.41% p.a.to 13.4% p.a.based on $30,000
    over 5 years

    Go to site

    More info

    Terms from 2 to 7 years. Representative example: a 5 year $30,000 loan at 9.95% would cost $39,375.41 including fees.

    • Get rewarded for a great credit history
    • Know your Interest Rate before you Apply (rate based on your credit history)
    • Apply Online up to $40K over 7 years
    • Other benefits:
    • Upfront fee: $395
    • Monthly fee: $13.00
    • Exit fee: $0.00
    • Repayment options: Weekly, Fortnightly
    • Security required: Unsecured
    • Minimum loan amount: $4,000.00
    • Maximum loan amount: $40,000.00
    • Minimum loan term: 2 Years
    • Maximum loan term: 7 Years
    Need more information?
    Go to site

    More info

  • Latitude Low Rate Personal Loan (Fixed, Unsecured)

    Latitude Low Rate Personal Loan (Fixed, Unsecured)

    • Available to new Latitude personal loan customers only
    • Applicants must be mortgage holders or homeowners
    • Applicants must have an excellent credit rating

    interest rate

    9.99% p.a.

    comparison rate*

    11.22% p.a.based on $30,000
    over 5 years

    Go to site

    More info

    Terms from 2 to 7 years. Representative example: a 5 year $30,000 loan at 9.99% would cost $39,265.82 including fees.

    • Available to new Latitude personal loan customers only
    • Applicants must be mortgage holders or homeowners
    • Applicants must have an excellent credit rating
    • Other benefits:
    • Upfront fee: $250
    • Monthly fee: $13.00
    • Exit fee: $0.00
    • Repayment options: Weekly, Fortnightly, Monthly
    • Security required: Unsecured
    • Minimum loan amount: $20,000.00
    • Maximum loan amount:
    • Minimum loan term: 2 Years
    • Maximum loan term: 7 Years
    Overall rating

    4.4

    Based on 63 Latitude personal loan reviews

    Need more information?
    Go to site

    More info

  • QT Mutual Bank Personal Loan (Variable, Unsecured)

    QT Mutual Bank Personal Loan (Variable, Unsecured)

    • No monthly fees
    • No exit fees
    • Borrow from $3K to $60K

    interest rate

    12.95% p.a.to 15.55% p.a.

    comparison rate*

    13.54% p.a.to 16.16% p.a.based on $30,000
    over 5 years

    Go to site

    More info

    Terms from 1 to 5 years. Representative example: a 5 year $30,000 loan at 12.95% would cost $41,304.47 including fees.

    • No monthly fees
    • No exit fees
    • Borrow from $3K to $60K
    • Other benefits:
    • Upfront fee: $395
    • Monthly fee: $0.00
    • Exit fee:
    • Repayment options: Weekly, Fortnightly, Monthly
    • Security required: Unsecured
    • Minimum loan amount: $3,000.00
    • Maximum loan amount: $60,000.00
    • Minimum loan term: 1 Year
    • Maximum loan term: 5 Years
    Overall rating

    7.0

    Based on 3 QT Mutual Bank personal loan reviews

    Need more information?
    Go to site

    More info

  • St.George Unsecured Personal Loan (Fixed)

    St.George Unsecured Personal Loan (Fixed)

    • Fast and simple online application
    • Borrow from $3K to $40K
    • Choose to repay your loan from 1 to 5 years

    interest rate

    12.99% p.a.to 19.99% p.a.

    comparison rate*

    13.87% p.a.to 20.84% p.a.based on $30,000
    over 5 years

    Go to site

    More info

    Terms from 1 to 5 years. Representative example: a 5 year $30,000 loan at 12.99% would cost $41,681.32 including fees.

    • Fast and simple online application
    • Borrow from $3K to $40K
    • Choose to repay your loan from 1 to 5 years
    • Other benefits: $0 establishment fee for existing St. George customers.
    • Upfront fee: $195
    • Monthly fee: $9.00
    • Exit fee: $0.00
    • Repayment options: Weekly, Fortnightly, Monthly
    • Security required: Unsecured
    • Minimum loan amount: $3,000.00
    • Maximum loan amount: $40,000.00
    • Minimum loan term: 1 Year
    • Maximum loan term: 5 Years
    Overall rating

    7.6

    Based on 141 St.George personal loan reviews

    Need more information?
    Go to site

    More info

  • Westpac Personal Loan (Fixed, Unsecured)

    Westpac Personal Loan (Fixed, Unsecured)

    • Borrow from $4K to $50K
    • Conditional approval in minutes when you apply online
    • Choose to repay over 1 to 7 years

    interest rate

    12.99% p.a.

    comparison rate*

    14.01% p.a.based on $30,000
    over 5 years

    Go to site

    More info

    Terms from 1 to 7 years. Representative example: a 5 year $30,000 loan at 12.99% would cost $41,796.32 including fees.

    • Borrow from $4K to $50K
    • Conditional approval in minutes when you apply online
    • Choose to repay over 1 to 7 years
    • Other benefits:
    • Upfront fee: $250
    • Monthly fee: $10.00
    • Exit fee: $0.00
    • Repayment options: Weekly, Fortnightly, Monthly
    • Security required: Unsecured
    • Minimum loan amount: $4,000.00
    • Maximum loan amount: $50,000.00
    • Minimum loan term: 1 Year
    • Maximum loan term: 7 Years
    Overall rating

    7.1

    Based on 305 Westpac personal loan reviews

    Need more information?
    Go to site

    More info

  • ANZ Unsecured Personal Loan (Fixed)

    ANZ Unsecured Personal Loan (Fixed)

    • Loan terms from 1 to 7 years
    • 60 Sec. Response time
    • Borrow up to $50,000

    interest rate

    13.95% p.a.to 16.95% p.a.

    comparison rate*

    14.81% p.a.to 17.8% p.a.based on $30,000
    over 5 years

    Go to site

    More info

    Terms from 1 to 7 years. Representative example: a 5 year $30,000 loan at 13.95% would cost $42,586.21 including fees.

    • Loan terms from 1 to 7 years
    • 60 Sec. Response time
    • Borrow up to $50,000
    • Other benefits: ANZ Loan Protection Insurance available.
    • Upfront fee: $150
    • Monthly fee: $10.00
    • Exit fee: $0.00
    • Repayment options: Weekly, Fortnightly, Monthly
    • Security required: Unsecured
    • Minimum loan amount: $5,000.00
    • Maximum loan amount: $50,000.00
    • Minimum loan term: 1 Year
    • Maximum loan term: 7 Years
    Overall rating

    7.1

    Based on 453 ANZ personal loan reviews

    Need more information?
    Go to site

    More info

  • now FINANCE Unsecured Personal Loan - Good Credit (Fixed)

    now FINANCE Unsecured Personal Loan - Good Credit (Fixed)

    • Get rewarded for a great credit history
    • Know your Interest Rate before you Apply (rate based on your credit history)
    • Apply Online up to $40K over 7 years

    interest rate

    13.95% p.a.

    comparison rate*

    15.38% p.a.based on $30,000
    over 5 years

    Go to site

    More info

    Terms from 2 to 7 years. Representative example: a 5 year $30,000 loan at 13.95% would cost $43,011.21 including fees.

    • Get rewarded for a great credit history
    • Know your Interest Rate before you Apply (rate based on your credit history)
    • Apply Online up to $40K over 7 years
    • Other benefits:
    • Upfront fee: $395
    • Monthly fee: $13.00
    • Exit fee: $0.00
    • Repayment options: Weekly, Fortnightly
    • Security required: Unsecured
    • Minimum loan amount: $4,000.00
    • Maximum loan amount: $40,000.00
    • Minimum loan term: 2 Years
    • Maximum loan term: 7 Years
    Need more information?
    Go to site

    More info

  • ANZ Unsecured Personal Loan (Variable)

    ANZ Unsecured Personal Loan (Variable)

    • Loan terms from 1 to 7 years
    • 60 Sec. Response time
    • Borrow up to $50,000

    interest rate

    14.69% p.a.to 17.69% p.a.

    comparison rate*

    15.55% p.a.to 18.54% p.a.based on $30,000
    over 5 years

    Go to site

    More info

    Terms from 1 to 7 years. Representative example: a 5 year $30,000 loan at 14.69% would cost $43,279.53 including fees.

    • Loan terms from 1 to 7 years
    • 60 Sec. Response time
    • Borrow up to $50,000
    • Other benefits: ANZ Loan Protection Insurance available.
    • Upfront fee: $150
    • Monthly fee: $10.00
    • Exit fee: $0.00
    • Repayment options: Weekly, Fortnightly, Monthly
    • Security required: Unsecured
    • Minimum loan amount: $5,000.00
    • Maximum loan amount: $50,000.00
    • Minimum loan term: 1 Year
    • Maximum loan term: 7 Years
    Overall rating

    7.1

    Based on 453 ANZ personal loan reviews

    Need more information?
    Go to site

    More info

Want more? Compare all 183 personal loans in the Mozo comparison engine.

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* 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 quoted, based on monthly principal and interest repayments, on a secured basis for secured loans and an unsecured basis for unsecured loans, and apply only to these examples. Different amounts and terms will result in different comparison rates. Full comparison rate schedules are available from lenders. Costs such as redraw fees or early repayment fees, and savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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