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Last updated 16 May 2025Important disclosures and comparison rate warning*
Disclaimer
Important information on terms, conditions and sub-limits
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
Low Rate Personal Loan (Fixed, Unsecured)
Exceptional Credit, $5,000 - $75,000, or up to $100,000 for eligible purposes
interest rate
comparison rate
Monthly repayment
6.28% p.a.to 8.39% p.a.
6.28% p.a.to 8.75% p.a.based on $30,000 over 5 years
Repayment terms from 1 year to 7 years. Representative example: a 5 year $30,000 loan at 6.28% would cost $35,283.88 including fees.
Competitive 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); plus free extra repayments. 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.
6.28% p.a.to 8.75% p.a.based on $30,000 over 5 years
Upfront fee
$250.00
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.
6.45% p.a.to 26.95% p.a.based on $30,000 over 5 years
Repayment terms from 2 years to 7 years. Representative example: a 5 year $30,000 loan at 6.45% would cost $35,176.93 including fees.
Borrow up to $50,000 unsecured. Perfect if you earn more than $22,100 p.a. and have good to excellent credit. Multi-year winner of Mozo’s Experts Choice Unsecured Personal Loan Award, 2021, 2022, 2023 & 2024^'
6.33% p.a.to 20.77% p.a.based on $30,000 over 5 years
Repayment terms from 3 years to 7 years. Representative example: a 5 year $30,000 loan at 5.90% would cost $35,025.41 including fees.
Competitive rates depending on credit score. No monthly or early repayment fees. No penalties for paying your loan off sooner. Borrow from $5,000 to $80,000. Your choice of 3, 5 or 7 year terms. You will be given the option to use a vehicle as collateral to secure your loan. One upfront fee applies.
6.33% p.a.to 20.77% p.a.based on $30,000 over 5 years
Upfront fee
$310.00
Monthly fee
$0.00
Exit fee
$0.00
Late payment fee
$10.00
Repayment options
Weekly, Fortnightly, Monthly
Early repayment penalty
0
Minimum loan amount
$5,000.00
Maximum loan amount
$80,000.00
Minimum loan term
3 Years
Maximum loan term
7 Years
Security required
Vehicle
Other benefits
-
Other restrictions
Interest rate and establishment fee vary according to an individuals credit history. Rates and fees shown are for an Excellent Credit borrower. Establishment fee ranges from $310 to $1,035.
6.90% p.a.to 19.39% p.a.based on $30,000 over 5 years
Repayment terms from 1 year to 7 years. Representative example: a 5 year $30,000 loan at 6.28% would cost $35,283.88 including fees.
Competitive fixed rates on loans up to $75,000 depending on your credit score. Zero monthly account keeping fees, no exit fees and no early repayment fees. Make weekly, fortnightly or monthly repayments, over 1 to 7 years managed entirely online, at any time. Fast and easy, 100% online application.
6.90% p.a.to 19.39% p.a.based on $30,000 over 5 years
Upfront fee
$250.00
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
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.
Ready Credit Personal Loan - 3 Year Fixed Rate, Balance Transfer Offer
Unsecured
interest rate
comparison rate
Monthly repayment
6.90% p.a.
n/a
Enjoy a competitive rate on the initial balance that you request to be transferred to your bank account within 3 months of approval. Choose your repayments each month above the minimum payment due. Apply online in as little as 10 minutes. Only pay interest on the amount you have used, not on your whole credit limit. A one-off establishment fee of $249. This product is provided by National Australia Bank Limited, using certain trademarks temporarily under licence from Citigroup Inc.
6.90% for 3 years on loans up to $75,000, with any unpaid amount reverting to 22.49% p.a. variable rate after three years. Application and supporting documents must be submitted by 1st August 2025 end date.
6.55% p.a.to 21.49% p.a.based on $30,000 over 5 years
Repayment terms from 3 years to 7 years. Representative example: a 5 year $30,000 loan at 6.55% would cost $35,261.24 including fees.
Competitive rates depending on credit score. No monthly or early repayment fees. No penalties for paying your loan off sooner. Borrow from $5,000 to $80,000. Your choice of 3, 5 or 7 year terms. One upfront fee applies.
6.55% p.a.to 21.49% p.a.based on $30,000 over 5 years
Upfront fee
On Application
Monthly fee
$0.00
Exit fee
$0.00
Late payment fee
$10.00
Repayment options
Weekly, Fortnightly, Monthly
Early repayment penalty
$0.00
Minimum loan amount
$5,000.00
Maximum loan amount
$80,000.00
Minimum loan term
3 Years
Maximum loan term
7 Years
Security required
Unsecured
Other benefits
-
Other restrictions
Interest rate and establishment fee vary according to an individuals credit history. Rates and fees shown are for an Excellent Credit borrower. Establishment fee ranges from 0 to 5.5% of the loan amount, up to a maximum of $975.
6.28% p.a.to 8.75% p.a.based on $30,000 over 5 years
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.
Give your home a refresh with the 2025 Mozo award-winning provider OMM. Borrow up to $100,000 for loan terms 1-7 years. Flexible weekly, fortnightly or monthly repayment options. No monthly, early repayment or exit fees. Fast 100% online application.
32.99% p.a.to 45.5% p.a.based on $10,000 over 3 years
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.
Access 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.
6.90% p.a.to 19.39% p.a.based on $30,000 over 5 years
Repayment terms from 1 year to 7 years. Representative example: a 5 year $30,000 loan at 6.28% would cost $35,283.88 including fees.
Get a secured personal loan with competitive low rates for borrowers with excellent 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.
6.90% p.a.to 19.39% p.a.based on $30,000 over 5 years
Upfront fee
$250.00
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.
Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.
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.
Personal loan lenders we compare at Mozo
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We may also include the option to search all the products in our database, regardless of whether we have a commercial relationship with the providers of those products or not. While we pride ourselves on covering a wide range of products, we don't cover every product in the market.
Sometimes we may choose to advertise certain products more prominently, either by showing them as ‘Promoted’ at the top of a table or by selecting a set of specific products to feature on a page. Otherwise our comparison tables typically sort according to estimated repayments for loans and interest rates for deposits, and they show products that meet the criteria in the filters. You can change the filter settings to see other products.
We provide only general advice
Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the Product Disclosure Statement (PDS) or offer documentation, or seeking independent advice. It is also advised to review Target Market Determination(TMD) of products that you are considering. The TMD can be found on the provider's website.
Comparison rate warning
WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. 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.
How Initial Monthly Repayments figures are estimated
Initial monthly repayment figures are estimates only, based on the advertised rate. You can change the loan amount and term in the input boxes at the top of this table. Rates, fees and charges and therefore the total cost of the loan may vary depending on your loan amount, loan term, and credit history. Actual repayments will depend on your individual circumstances and interest rate changes.
Disclaimer
Who we are and how we get paid
Our goal at Mozo is to help you make smart financial decisions and our award-winning comparison tools and services are provided free of charge. As a marketplace business, we do earn money from advertising and this page features products with Go To Site links and/or other paid links where the provider pays us a fee if you go to their site from ours, or you take out a product with them. You do not pay any extra for using our service.
We are proud of the tools and information we provide and unlike some other comparison sites, we also include the option to search all the products in our database, regardless of whether we have a commercial relationship with the providers of those products or not.
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'Mozo sort order' refers to the initial sort order and is not intended in any way to imply that particular products are better than others. You can easily change the sort order of the products displayed on the page.
Important information on terms, conditions and sub-limits
Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.
