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Compare Student Personal Loans

Student personal loan - rates updated daily

  • People's Choice Credit Union Discounted Personal Loan (over 10k, Fixed, Secured)

    People's Choice Credit Union Discounted Personal Loan (over 10k, Fixed, Secured)

    • No monthly account fees
    • No penalties for early repayments
    • Flexible loan terms and repayment options

    interest rate

    7.99% p.a.

    comparison rate*

    8.35% p.a.based on $30,000
    over 5 years

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    Terms from 1 to 10 years. Representative example: a 5 year $30,000 loan at 7.99% would cost $36,738.90 including fees.

    • No monthly account fees
    • No penalties for early repayments
    • Flexible loan terms and repayment options
    • Interest rate: 7.99% p.a.
    • Comparison rate*: 8.35% p.a.based on $30,000
      over 5 years
    • Upfront fee: $250
    • Monthly fee: $0.00
    • Exit fee:
    • Late payment fee: $25.00
    • Repayment options: Weekly, Fortnightly, Monthly
    • Early repayment penalty: $0.00
    • Minimum loan amount: $10,000.00
    • Maximum loan amount: $100,000.00
    • Minimum loan term: 1 Year
    • Maximum loan term: 10 Years
    • Security required: Vehicle
    • Other benefits: $0 monthly fee on Peoples Choice Credit Union Zip bank account.
    • Other restrictions: Fixed rates available up to 5 years, after which they will revert to variable rate of 11.55% p.a. for the remaining term. Loan secured by vehicles less than 7 years old (minimum security value of $5,000) or a security value of $10,000 or more.
    Overall rating

    7.7

    Based on 94 People's Choice Credit Union personal loan reviews

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  • OurMoneyMarket Low Rate Personal Loan (Excellent Credit) (Fixed, Unsecured)

    OurMoneyMarket Low Rate Personal Loan (Excellent Credit) (Fixed, Unsecured)

    interest rate

    8.00% p.a.

    comparison rate*

    8.21% p.a.based on $30,000
    over 5 years

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    Terms from 1 to 7 years. Representative example: a 5 year $30,000 loan at 8.00% would cost $36,647.51 including fees.

    • Interest rate: 8.00% p.a.
    • Comparison rate*: 8.21% p.a.based on $30,000
      over 5 years
    • Upfront fee: $150
    • 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: $2,001.00
    • Maximum loan amount: $50,000.00
    • Minimum loan term: 1 Year
    • Maximum loan term: 7 Years
    • Security required: Unsecured
    • Other benefits:
    • Other restrictions: Rate for Excellent Credit
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  • Wisr Unsecured Personal Loan (Fixed)

    Wisr Unsecured Personal Loan (Fixed)

    • Low personalised rates, for borrowers with strong credit
    • Borrow between $5,000-$50,000
    • Easy online application - Get a response in minutes

    interest rate

    7.95% p.a.to 19.45% p.a.

    comparison rate*

    8.78% p.a.to 20.4% p.a.based on $30,000
    over 5 years

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    Terms from 3 to 5 years. Representative example: a 5 year $30,000 loan at 7.95% would cost $37,049.45 including fees.

    • Low personalised rates, for borrowers with strong credit
    • Borrow between $5,000-$50,000
    • Easy online application - Get a response in minutes
    • Interest rate: 7.95% p.a.to 19.45% p.a.
    • Comparison rate*: 8.78% p.a.to 20.4% p.a.based on $30,000
      over 5 years
    • Upfront fee: $595
    • Monthly fee: $0.00
    • Exit fee: $0.00
    • Late payment fee: $25.00
    • Repayment options: Weekly, Fortnightly, Monthly
    • Early repayment penalty: $0.00
    • Minimum loan amount: $5,000.00
    • Maximum loan amount: $50,000.00
    • Minimum loan term: 3 Years
    • Maximum loan term: 5 Years
    • Security required: Unsecured
    • Other benefits:
    • Other restrictions:
    Overall rating

    0.0

    Based on 1 Wisr personal loan reviews

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  • MOZO EXPERTS CHOICE AWARDS 2019

    MoneyPlace Unsecured Personal Loan (Fixed)

    MoneyPlace Unsecured Personal Loan (Fixed)

    • No hidden fees, no monthly fees
    • Some customers will receive a special $0 establishment fee
    • 100% Online, apply in minutes

    interest rate

    7.65% p.a.to 26.99% p.a.

    comparison rate*

    7.65% p.a.to 23.5% p.a.based on $30,000
    over 5 years

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    Terms from 3 to 7 years. Representative example: a 5 year $30,000 loan at 7.65% would cost $36,196.75 including fees.

    • No hidden fees, no monthly fees
    • Some customers will receive a special $0 establishment fee
    • 100% Online, apply in minutes
    • Interest rate: 7.65% p.a.to 26.99% p.a.
    • Comparison rate*: 7.65% p.a.to 23.5% p.a.based on $30,000
      over 5 years
    • Upfront fee: $0
    • Monthly fee: $0.00
    • Exit fee: $0.00
    • Late payment fee: $10.00
    • Repayment options: Monthly
    • Early repayment penalty: $0.00
    • Minimum loan amount: $5,000.00
    • Maximum loan amount: $50,000.00
    • 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.
    Overall rating

    10.0

    Based on 1 MoneyPlace personal loan reviews

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  • MOZO EXPERTS CHOICE AWARDS 2019

    RateSetter Unsecured Personal Loan (Variable)

    RateSetter Unsecured Personal Loan (Variable)

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

    interest rate

    6.79% p.a.to 14.99% p.a.

    comparison rate*

    8.83% p.a.to 17.15% p.a.based on $10,000
    over 3 years

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    Terms from 1 to 5 years. Representative example: a 3 year $10,000 loan at 6.79% would cost $11,380.22 including fees.

    • Low rates for borrowers with good credit
    • 1 min rate estimate, simple online application
    • No exit fees, no early repayment fees
    • Interest rate: 6.79% p.a.to 14.99% p.a.
    • Comparison rate*: 8.83% p.a.to 17.15% p.a.based on $10,000
      over 3 years
    • Upfront fee: $299
    • Monthly fee: $0.00
    • Exit fee: $0.00
    • Late payment fee: $30.00
    • Repayment options: Monthly
    • Early repayment penalty: $0.00
    • Minimum loan amount: $2,001.00
    • Maximum loan amount: $45,000.00
    • Minimum loan term: 1 Year
    • Maximum loan term: 5 Years
    • Security required: Unsecured
    • Other benefits: Up front fee may be higher than shown depending on your application
    • Other restrictions:
    Overall rating

    5.0

    Based on 1 RateSetter personal loan reviews

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  • SocietyOne Unsecured Personal Loan (Fixed)

    SocietyOne Unsecured Personal Loan (Fixed)

    • Low rates that reward your good credit
    • Apply online in minutes
    • No monthly or early repayment fees

    interest rate

    7.50% p.a.to 14.99% p.a.

    comparison rate*

    9.51% p.a.to 12.71% p.a.based on $10,000
    over 3 years

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    Terms from 2 to 3 years. Representative example: a 3 year $10,000 loan at 7.50% would cost $11,534.19 including fees.

    • Low rates that reward your good credit
    • Apply online in minutes
    • No monthly or early repayment fees
    • Interest rate: 7.50% p.a.to 14.99% p.a.
    • Comparison rate*: 9.51% p.a.to 12.71% p.a.based on $10,000
      over 3 years
    • Upfront fee: $336
    • Monthly fee: $0.00
    • Exit fee: $0.00
    • Late payment fee: $35.00
    • Repayment options: Fortnightly, Monthly
    • Early repayment penalty: $0.00
    • Minimum loan amount: $5,000.00
    • Maximum loan amount: $50,000.00
    • Minimum loan term: 2 Years
    • Maximum loan term: 3 Years
    • Security required: Unsecured
    • Other benefits: Application fee from 3% is added to principal loan amount and not paid upfront, amount shown is the minimum for a 3 year loan of $10,000 including interest.
    • Other restrictions: Interest rate and establishment fee vary according to VedaScore rating. Rates and fees shown are for a Tier 1 graded borrower. Minimum employment income of $30,000 p.a. 3% application fee added to principal amount of loan.
    Overall rating

    4.8

    Based on 4 SocietyOne personal loan reviews

    Need more information?
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  • NOW FINANCE Unsecured Personal Loan (Fixed)

    NOW FINANCE Unsecured Personal Loan (Fixed)

    • An upfront personalised rate that doesn’t impact your credit history
    • Interest rates from 8.95%
    • Better service than the banks, we treat you like a name (and not a number)

    interest rate

    7.95% p.a.to 16.95% p.a.

    comparison rate*

    9.56% p.a.to 18.53% p.a.based on $30,000
    over 5 years

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    Terms from 2 to 7 years. Representative example: a 5 year $30,000 loan at 7.95% would cost $37,729.45 including fees.

    • An upfront personalised rate that doesn’t impact your credit history
    • Interest rates from 8.95%
    • Better service than the banks, we treat you like a name (and not a number)
    • Interest rate: 7.95% p.a.to 16.95% p.a.
    • Comparison rate*: 9.56% p.a.to 18.53% p.a.based on $30,000
      over 5 years
    • Upfront fee: $495
    • Monthly fee: $13.00
    • Exit fee: $0.00
    • Late payment fee: $35.00
    • Repayment options: Weekly, Fortnightly
    • Early repayment penalty:
    • Minimum loan amount: $5,000.00
    • Maximum loan amount: $40,000.00
    • Minimum loan term: 2 Years
    • Maximum loan term: 7 Years
    • Security required: Unsecured
    • Other benefits:
    • Other restrictions: Rates based on borrower with excellent credit score. Application and monthly fee based on $30,000 loan amount.
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  • Harmoney Unsecured Personal Loan (Fixed)

    Harmoney Unsecured Personal Loan (Fixed)

    • Up to $70,000, unsecured. Fast, easy & 100% online
    • No hidden fees or early repayment penalties with Australasia's leading marketplace lending website
    • You're unique, so is your interest rate

    interest rate

    6.99% p.a.to 25.69% p.a.

    comparison rate*

    7.69% p.a.to 26.53% p.a.based on $30,000
    over 5 years

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    Terms from 1 to 5 years. Representative example: a 5 year $30,000 loan at 6.99% would cost $36,133.67 including fees.

    • Up to $70,000, unsecured. Fast, easy & 100% online
    • No hidden fees or early repayment penalties with Australasia's leading marketplace lending website
    • You're unique, so is your interest rate
    • Interest rate: 6.99% p.a.to 25.69% p.a.
    • Comparison rate*: 7.69% p.a.to 26.53% p.a.based on $30,000
      over 5 years
    • Upfront fee: $500
    • Monthly fee: $0.00
    • Exit fee: $0.00
    • Late payment fee: $15.00
    • Repayment options: Weekly, Fortnightly, Monthly
    • Early repayment penalty: $0.00
    • Minimum loan amount: $2,000.00
    • Maximum loan amount: $50,000.00
    • Minimum loan term: 1 Year
    • Maximum loan term: 5 Years
    • Security required: Unsecured
    • Other benefits: Establishment fee is $200 for loans under $5,000.
    • Other restrictions:
    Overall rating

    5.5

    Based on 6 Harmoney personal loan reviews

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  • Heritage Bank Low Rate Secured Personal Loan (Variable)

    Heritage Bank Low Rate Secured Personal Loan (Variable)

    • Low rate of interest on your loan while still earning interest on your term deposit
    • Borrow from $5,000 up to $100,000
    • Ability to redraw additional repayment

    interest rate

    4.69% p.a.

    comparison rate*

    7.16% p.a.based on $10,000
    over 3 years

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    Terms from 1 to 10 years. Representative example: a 3 year $10,000 loan at 4.69% would cost $11,119.49 including fees.

    • Low rate of interest on your loan while still earning interest on your term deposit
    • Borrow from $5,000 up to $100,000
    • Ability to redraw additional repayment
    • Interest rate: 4.69% p.a.
    • Comparison rate*: 7.16% p.a.based on $10,000
      over 3 years
    • Upfront fee: $200
    • Monthly fee: $5.00
    • Exit fee: $0.00
    • Late payment fee: $20.00
    • Repayment options: Weekly, Fortnightly, Monthly
    • Early repayment penalty: Fees may apply
    • Minimum loan amount: $5,000.00
    • Maximum loan amount: $100,000.00
    • Minimum loan term: 1 Year
    • Maximum loan term: 10 Years
    • Security required: Yes
    • Other benefits:
    • Other restrictions: Must be secured against a Heritage Term Deposit
    Overall rating

    8.5

    Based on 42 Heritage Bank personal loan reviews

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  • ANZ Unsecured Personal Loan (Fixed)

    ANZ Unsecured Personal Loan (Fixed)

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

    interest rate

    12.45% p.a.

    comparison rate*

    13.32% p.a.based on $30,000
    over 5 years

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    Terms from 1 to 7 years. Representative example: a 5 year $30,000 loan at 12.45% would cost $41,200.53 including fees.

    • A Fixed Personal Loan with terms from 1 to 7 years
    • 60 Sec. Response time
    • Borrow up to $50,000
    • Interest rate: 12.45% p.a.
    • Comparison rate*: 13.32% p.a.based on $30,000
      over 5 years
    • Upfront fee: $150
    • Monthly fee: $10.00
    • Exit fee: $0.00
    • Late payment fee: $20.00
    • Repayment options: Weekly, Fortnightly, Monthly
    • Early repayment penalty: $300 admin fee. You may also incur early repayment costs.
    • Minimum loan amount: $5,000.00
    • Maximum loan amount: $50,000.00
    • Minimum loan term: 1 Year
    • Maximum loan term: 7 Years
    • Security required: Unsecured
    • Other benefits:
    • Other restrictions:
    Overall rating

    6.9

    Based on 1161 ANZ personal loan reviews

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  • CUA Unsecured Personal Loan (Fixed)

    CUA Unsecured Personal Loan (Fixed)

    • $0 establishment fee (save $120) for a limited time only. Conditions apply
    • No penalties for early payout or extra repayments
    • No monthly fees

    interest rate

    9.89% p.a.

    comparison rate*

    10.14% p.a.based on $30,000
    over 5 years

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    Terms from 1 to 7 years. Representative example: a 5 year $30,000 loan at 9.89% would cost $38,322.33 including fees.

    • $0 establishment fee (save $120) for a limited time only. Conditions apply
    • No penalties for early payout or extra repayments
    • No monthly fees
    • Interest rate: 9.89% p.a.
    • Comparison rate*: 10.14% p.a.based on $30,000
      over 5 years
    • Upfront fee: $175
    • Monthly fee: $0.00
    • Exit fee: $0.00
    • Late payment fee: $0.00
    • Repayment options: Weekly, Fortnightly, Monthly
    • Early repayment penalty: $0.00
    • Minimum loan amount: $5,000.00
    • Maximum loan amount: $50,000.00
    • Minimum loan term: 1 Year
    • Maximum loan term: 7 Years
    • Security required: Unsecured
    • Other benefits:
    • Other restrictions: $200 minimum withdrawal amount applies for redraws conducted in-branch.
    Overall rating

    8.3

    Based on 126 CUA personal loan reviews

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  • People's Choice Credit Union Low Rate Unsecured Personal Loan (Fixed)

    People's Choice Credit Union Low Rate Unsecured Personal Loan (Fixed)

    • Easy online application
    • Flexible repayment frequency - pay weekly, fortnightly or monthly
    • An unsecured flexible loan with no ongoing fees, which is available for almost any purpose

    interest rate

    9.99% p.a.

    comparison rate*

    11.74% p.a.based on $10,000
    over 3 years

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    More info

    Terms from 1 to 7 years. Representative example: a 3 year $10,000 loan at 9.99% would cost $11,864.50 including fees.

    • Easy online application
    • Flexible repayment frequency - pay weekly, fortnightly or monthly
    • An unsecured flexible loan with no ongoing fees, which is available for almost any purpose
    • Interest rate: 9.99% p.a.
    • Comparison rate*: 11.74% p.a.based on $10,000
      over 3 years
    • Upfront fee: $250
    • Monthly fee: $0.00
    • Exit fee:
    • Late payment fee: $25.00
    • Repayment options: Weekly, Fortnightly, Monthly
    • Early repayment penalty: $0.00
    • Minimum loan amount: $2,000.00
    • Maximum loan amount: $40,000.00
    • Minimum loan term: 1 Year
    • Maximum loan term: 7 Years
    • Security required: Unsecured
    • Other benefits: $0 monthly fee on Peoples Choice Credit Union Zip bank account.
    • Other restrictions:
    Overall rating

    7.7

    Based on 94 People's Choice Credit Union personal loan reviews

    Need more information?
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  • Heritage Bank Standard Personal Loan (Fixed, Unsecured)

    Heritage Bank Standard Personal Loan (Fixed, Unsecured)

    • Borrow from $5,000 up to $25,000
    • Ability to redraw additional repayments & the ability to make additional or lump sum payments
    • Pay weekly, fortnightly, or monthly

    interest rate

    8.99% p.a.

    comparison rate*

    9.62% p.a.based on $30,000
    over 5 years

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    Terms from 1 to 5 years. Representative example: a n/a year $0 loan at 8.99% would cost $7,856.30 including fees.

    • Borrow from $5,000 up to $25,000
    • Ability to redraw additional repayments & the ability to make additional or lump sum payments
    • Pay weekly, fortnightly, or monthly
    • Interest rate: 8.99% p.a.
    • Comparison rate*: 9.62% p.a.based on $30,000
      over 5 years
    • Upfront fee: $200
    • Monthly fee: $5.00
    • Exit fee: $0.00
    • Late payment fee: $20.00
    • Repayment options: Weekly, Fortnightly, Monthly
    • Early repayment penalty: Fees may apply
    • Minimum loan amount: $5,000.00
    • Maximum loan amount: $25,000.00
    • Minimum loan term: 1 Year
    • Maximum loan term: 5 Years
    • Security required: Unsecured
    • Other benefits:
    • Other restrictions:
    Overall rating

    8.5

    Based on 42 Heritage Bank personal loan reviews

    Need more information?
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  • OurMoneyMarket Low Rate Personal Loan (Very Good Credit) (Fixed, Unsecured)

    OurMoneyMarket Low Rate Personal Loan (Very Good Credit) (Fixed, Unsecured)

    interest rate

    9.35% p.a.

    comparison rate*

    9.67% 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 9.35% would cost $37,896.54 including fees.

    • Interest rate: 9.35% p.a.
    • Comparison rate*: 9.67% p.a.based on $30,000
      over 5 years
    • Upfront fee: $225
    • 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: $2,001.00
    • Maximum loan amount: $50,000.00
    • Minimum loan term: 1 Year
    • Maximum loan term: 7 Years
    • Security required: Unsecured
    • Other benefits:
    • Other restrictions: Rate for Very Good Credit
    Need more information?
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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 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. WARNING: 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.

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<superscript>*</superscript>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. WARNING: 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.

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