Secured Personal Loans

Secured personal loans let you borrow against your car or other asset in return for a lower interest rate. Compare secured loans in Australia with Mozo and find a loan to fit your borrowing needs.

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Secured personal loan comparisons on Mozo

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Last updated 26 March 2025Important disclosures and comparison rate warning*
  • Secured Personal Loan

    $5,000-$75,000

    interest rate
    comparison rate
    Monthly repayment
    6.57% p.a.to 18.99% p.a.
    7.19% 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 6.57% would cost $35,528.12 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.

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    Details
  • Express Personal Loan

    Secured

    interest rate
    comparison rate
    Monthly repayment
    16.95% p.a.to 29.95% p.a.
    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.

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    Details
  • Secured Personal Loan

    Fixed

    interest rate
    comparison rate
    Monthly repayment
    6.29% p.a.to 19.19% p.a.
    6.72% 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 6.29% would cost $35,352.28 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.

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    Details
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^See information about the Mozo Experts Choice Personal loans Awards

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Personal loan lenders we compare at Mozo

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Personal loan resources

Reviews, news, tips and guides to help find the best personal loan for you.

Personal Loan Reviews

Bendigo Bank Secured Personal Loan
Overall 5/10
Homeless and trying so hard to get some help

Homeless and trying to get some help with some money to pay for something two live in

Read full review

Homeless and trying to get some help with some money to pay for something two live in

Price
5/10
Features
4/10
Customer service
5/10
Convenience
5/10
Trust
3/10
Less
Tracey, New South Wales, reviewed 14 days ago
ANZ Unsecured Personal Loan
Overall 10/10
It is flexible, competitive, easy.

ANZ’s personal loan product stands out for its flexibility, competitive rates, and ease of application. One of the key advantages is the choice between a fixed or variable interest rate, allowing borrowers to select an option that best suits their financial situation. The fixed-rate loan provides certainty in repayments, making budgeting easier, while the variable rate offers the potential for savings if interest rates decrease. The application process is straightforward, with online tools that allow for quick pre-approval and loan calculations. ANZ also provides the option for extra repayments on variable loans, helping reduce interest costs over time. The ability to redraw extra repayments (for variable loans) is another plus, offering financial flexibility if needed. Additionally, the loan terms range from 1 to 7 years, giving borrowers control over their repayment period. Customer service is also reliable, with support available through online banking, branches, and phone assistance. Overall, ANZ’s personal loan product is a great choice for those looking for competitive rates, repayment flexibility, and a seamless application experience.

Read full review

ANZ’s personal loan product stands out for its flexibility, competitive rates, and ease of application. One of the key advantages is the choice between a fixed or variable interest rate, allowing borrowers to select an option that best suits their financial situation. The fixed-rate loan provides certainty in repayments, making budgeting easier, while the variable rate offers the potential for savings if interest rates decrease. The application process is straightforward, with online tools that allow for quick pre-approval and loan calculations. ANZ also provides the option for extra repayments on variable loans, helping reduce interest costs over time. The ability to redraw extra repayments (for variable loans) is another plus, offering financial flexibility if needed. Additionally, the loan terms range from 1 to 7 years, giving borrowers control over their repayment period. Customer service is also reliable, with support available through online banking, branches, and phone assistance. Overall, ANZ’s personal loan product is a great choice for those looking for competitive rates, repayment flexibility, and a seamless application experience.

Price
10/10
Features
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Anjovanni, Victoria, reviewed 22 days ago
Commonwealth Bank Personal Loan
Overall 8/10
Reliable and user friendly, but fees can sneak up

Likes: User-friendly app with great features like spending insights and instant transfers. Convenient branches and ATMs across Australia. Strong security measures for peace of mind. Dislikes: Fees can be high, especially for international transactions. Long wait times for customer service. Interest rates on savings accounts aren’t the most competitive.

Read full review

Likes: User-friendly app with great features like spending insights and instant transfers. Convenient branches and ATMs across Australia. Strong security measures for peace of mind. Dislikes: Fees can be high, especially for international transactions. Long wait times for customer service. Interest rates on savings accounts aren’t the most competitive.

Price
6/10
Features
8/10
Customer service
9/10
Convenience
7/10
Trust
10/10
Less
Anita, New South Wales, reviewed 22 days ago

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