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Australia loan comparison

Compare personal loans

Compare personal loans in Australia by interest rate, comparison rate, monthly repayment and loan term before you apply.

8 loans listed

★★★★½ 4.5

Personal Loan Unsecured

| Harmoney

Get Your Fast Personal Loan Quote Now. 100% online

✓ Redraw facility
✓ Top-up facility
✓ Application fee $0
✓ Annualised fee $0

Interest rate

5.76%

from rate

Comparison rate

5.76%

comparison rate

Monthly repayment

$606.27

sample repayment

Loan term

3 years to 7 years

available term

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★★★★½ 4.5

Low Rate Fixed Personal Loan - A++

| OurMoneyMarket

Additional repayments

✓ Top-up facility
✓ Application fee $0
✓ Annualised fee $0
✓ Loan terms 1 year to 7 years

Interest rate

5.95%

from rate

Comparison rate

5.95%

comparison rate

Monthly repayment

$607.99

sample repayment

Loan term

1 year to 7 years

available term

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★★★★½ 4.5

OurMoneyMarket Unsecured Low-Rate Personal Loan ($20,000-$100,000)

| OurMoneyMarket

Finder exclusive: Receive a $100 eGift Card if you have Excellent Credit (as determined by OMM’s credit assessment and scorecard), apply via Finder by 31 Mar 2026, and settle by 15 Apr 2026. For loans between $20,000 and $100,000 only. T&Cs apply.

✓ Fixed
✓ 1 - 7 Years
✓ $20,000 - $100,000
✓ Application fee $0min.

Interest rate

5.95%

from rate

Comparison rate

5.95%

comparison rate

Monthly repayment

$607.99

sample repayment

Loan term

1 - 7 Years

available term

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★★★★½ 4.5

NOW Finance No Fee Unsecured

| NOW Finance

NOW Finance personal loan option.

✓ Fixed
✓ 18 Months - 7 Years
✓ $5,000 - $50,000
✓ Application fee $0

Interest rate

5.95%

from rate

Comparison rate

5.95%

comparison rate

Monthly repayment

$607.99

sample repayment

Loan term

18 Months - 7 Years

available term

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★★★★½ 4.5

Home Improvement - A+

| OurMoneyMarket

Additional repayments

✓ Top-up facility
✓ Application fee $300 up to $1200
✓ Annualised fee $0
✓ Loan terms 1 year to 7 years

Interest rate

6.57%

from rate

Comparison rate

7.59%

comparison rate

Monthly repayment

$613.62

sample repayment

Loan term

1 year to 7 years

available term

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★★★★½ 4.5

Debt Consolidation - A+

| OurMoneyMarket

Additional repayments

✓ Top-up facility
✓ Application fee $300 up to $1200
✓ Annualised fee $0
✓ Loan terms 1 year to 7 years

Interest rate

6.57%

from rate

Comparison rate

8.28%

comparison rate

Monthly repayment

$613.62

sample repayment

Loan term

1 year to 7 years

available term

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★★★★½ 4.5

Unsecured

| Bendigo Bank

Additional repayments

✓ Redraw facility
✓ Application fee $150
✓ Annualised fee $60
✓ Loan terms 1 year to 7 years

Interest rate

12.79%

from rate

Comparison rate

14.89%

comparison rate

Monthly repayment

$671.86

sample repayment

Loan term

1 year to 7 years

available term

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★★★★½ 4.5

Personal Loan - Fixed Rate

| HSBC

Additional repayments

✓ Application fee $150
✓ Annualised fee $60
✓ Loan terms 1 year to 5 years

Interest rate

12.99%

from rate

Comparison rate

15.09%

comparison rate

Monthly repayment

$673.78

sample repayment

Loan term

1 year to 5 years

available term

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Personal loan questions

What to know before applying for a personal loan

What should I compare before applying for a personal loan?

Start with the interest rate, comparison rate, monthly repayment and loan term, then check fees, repayment flexibility and eligibility requirements.

Why does the comparison rate matter on a personal loan?

The comparison rate helps show the broader cost of a loan by including some fees and charges, so it can be more useful than looking at the headline interest rate alone.

Is the lowest interest rate always the best personal loan?

Not always. A lower rate can help, but fees, redraw options, extra repayments and the total monthly repayment can matter just as much.

What affects the monthly repayment shown on a personal loan page?

Monthly repayments are usually based on an example loan size, loan term and advertised rate, so your final repayment may differ depending on your approved terms.

Should I choose a shorter or longer loan term?

Shorter terms can reduce total interest paid, while longer terms may lower monthly repayments. The best option depends on your budget and repayment goals.