Compare Australian Personal Loans

If you’re looking to borrow money for a holiday, home renovation or new car, Mozo’s expert personal loan comparisons help you find the right options and the cheapest rates. Compare 186 loans from 43 lenders to find the right personal loan for your needs.

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Top personal loan comparisons on Mozo - last updated 21 April 2024

Search promoted personal loans below or do a full Mozo database search. Advertiser disclosure.
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    Mozo Experts Choice 2024
    Unsecured Personal Loan

    Fixed

    interest rate
    comparison rate
    Monthly repayment
    6.75% p.a.to 26.95% p.a.
    6.75% 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 6.75% would cost $35,430.23 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^'

    Compare
    Details
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    Unsecured Personal Loan

    Fixed

    interest rate
    comparison rate
    Monthly repayment
    5.76% p.a.to 24.03% p.a.
    6.55% p.a.to 24.98% 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 5.76% would cost $35,173.52 including fees.

    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).

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    Details
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    Express Personal Loan

    Secured

    interest rate
    comparison rate
    Monthly repayment
    14.95% p.a.to 27.95% p.a.
    29.30% p.a.to 42.8% p.a.based on $10,000
    over 3 years

    Repayment terms from 2 years to 4 years. Representative example: a 3 year $10,000 loan at 14.95% would cost $14,324.71 including fees.

    Access fast finance on loans from $5,000 to $25,000 with a Jacaranda Finance Personal Loan. Terms from 24-48 months. Check if you qualify with no impact on your credit score. Enjoy a speedy, online approval.

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    Details
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    Mozo Experts Choice 2024
    Low Rate Personal Loan (Fixed, Unsecured)

    Very Good Credit

    interest rate
    comparison rate
    Monthly repayment
    9.14% p.a.to 11.19% p.a.
    9.50% p.a.to 11.56% 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 9.14% would cost $37,737.46 including fees.

    Competitive low rates for borrowers with very good credit on 1-7 year loans from $2,001 up to $75,000, 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.

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    Details
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    Debt Consolidation Loan

    interest rate
    comparison rate
    Monthly repayment
    5.76% p.a.to 24.03% p.a.
    6.57% p.a.to 24.99% 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 5.76% would cost $35,173.52 including fees.

    Roll multiple debts into one loan to streamline your finances with one set of repayments and one interest rate. Competitive fixed interest rates with no monthly or early repayment fees and flexible repayment options. Easy online application and funding in as little as 24 hours (subject to approval).

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

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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Lenders on our site have strict lending criteria. We want you to find the right loan so before proceeding with a loan application, be sure that at a minimum you:

If you don’t know your credit rating, try using our rate matcher tool, where we run a free credit check to help you find a loan you may qualify for.

Personal loan resources

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

Personal Loan Reviews

Commonwealth Bank Personal Loan
Overall 6/10
Easy service but not the best fees

Commonwealth bank being the largest bank has the comfort of being reliable and was also willing to provide a loan when other banks were not. Customer service is easy to get in contact with. I wouldn't say the fees are the best in the market though.

Read full review

Commonwealth bank being the largest bank has the comfort of being reliable and was also willing to provide a loan when other banks were not. Customer service is easy to get in contact with. I wouldn't say the fees are the best in the market though.

Price
5/10
Customer service
6/10
Convenience
9/10
Trust
7/10
Less
Joshua, Victoria, reviewed 19 days ago
ING Personal Loan
Overall 7/10
Simple, no stress personal loan

It was east to obtain, good customer service and fast processing. No issues throughout loan term and can pay down as quick as you like with no hidden fees or charges.

Read full review

It was east to obtain, good customer service and fast processing. No issues throughout loan term and can pay down as quick as you like with no hidden fees or charges.

Price
7/10
Features
6/10
Customer service
6/10
Convenience
9/10
Trust
9/10
Less
Jen, Queensland, reviewed 19 days ago
ANZ Unsecured Personal Loan
Overall 10/10
Anz Personal loan

I decided to go with another bank for a unsecured personal loan as the commonwealth bank had some good perks being offered. I will never ever do this again not only was it extremely frustrating gathering all the correct documents again and again and again being conditionally approved to being rejected after alot effort and things were looking fine on my end. To get that rejection after all the stress and also making me feel like it's definitely going through to end up being rejected. I went onto to go back to my bank which I should have done fro. The beginning everything was smooth sailing quick and completed with all ticks in a matter of days. I love everything about anz it's always efficient and easy to navigate

Read full review

I decided to go with another bank for a unsecured personal loan as the commonwealth bank had some good perks being offered. I will never ever do this again not only was it extremely frustrating gathering all the correct documents again and again and again being conditionally approved to being rejected after alot effort and things were looking fine on my end. To get that rejection after all the stress and also making me feel like it's definitely going through to end up being rejected. I went onto to go back to my bank which I should have done fro. The beginning everything was smooth sailing quick and completed with all ticks in a matter of days. I love everything about anz it's always efficient and easy to navigate

Price
10/10
Features
10/10
Customer service
10/10
Convenience
10/10
Trust
10/10
Less
Cassandra, Tasmania, reviewed 19 days ago

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