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Compare Personal Loan Options From Participating Lenders & Brokers

Need Help Finding a Loan? Find out if you qualify and compare loan offers, rates & options from multiple lenders - without affecting your credit file!

Comparison results are from participating brokers within our referral network and may not represent all providers in the market. We may receive a referral fee at no cost to you. We do not provide financial advice or credit assistance directly.

Any Loan Type

Home loans, car loans, personal loans, debt consolidation, bike, boat, caravan, truck and business finance. Submitting your initial enquiry with us will not create an entry on your credit file, but if you choose to proceed with a lender or broker they may conduct a credit check as part of their application process.

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Free assessment

Simply complete our short online loan enquiry form for direct access to a specialist broker or lender who can best accomodate your specific needs and circumstances.

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Multiple lenders

When you submit an online loan enquiry with us, we use your details to complete an initial eligibility pre-assessment against the lending criteria of brokers and lenders in our national referral network. This is not a comparison of every personal loan in the market, but it helps identify participating providers who may be able to assist.

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No credit check

Unlike many online loan websites, submitting your initial finance enquiry with us will not create an entry on your credit file. However, if you choose to proceed with a lender or broker after your enquiry, they may conduct a credit check in line with their application process. Multiple credit file entries can make it more difficult to obtain a loan and can severely limit your options.

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Please Note: Submitting your enquiry with us will not result in an entry recorded on your credit file. However, if you choose to proceed with a lender or broker, they may conduct a credit check in line with their application process

Warning to Borrowers: Unsecured personal loans

The following information is specific to unsecured personal loans.

Minimum period for repayment 6 months, maximum period 5 years.

The maximum Annual Percentage Rate (APR) including all fees and charges is 36% for small, shorter term loans. Longer term loans for larger amounts may be available for an APR of 15% or lower.

For example, a $1000 loan over 6 months could require a fortnightly repayment amount of as much as $96.92 including total costs (interest fees and charges) of $260 in addition to the amount that you borrowed.

Secured loans such as home loans, car loans, etc. are usually a much cheaper finance option. The interest rate will be different depending on what you are financing. For example, home loan interest rates will be typically lower than for a car, boat, caravan or truck loan.

Personal Loans Australia: The Weekly News Wrap

Podcast Cover Image Paige Estritori breaks down this weeks Australian borrowing backdrop. The RBA held the cash rate at 4.35% on 16 June, keeping personal loan settings broadly steady. The 17 June RBA Chart Pack refresh offers a clear view of trends in rates, inflation, jobs and credit; listeners are urged to stress‑test repayments and compare lenders. On 19 June, the RBAs RITS assessment highlighted progress but called for governance and operational risk upgrades, with no immediate impact on everyday transfers. Minutes due 30 June may shape the path ahead. Visit personal-loans.net.au for a fast, independent comparison and a free eligibility check.

Listen to this week's episode

Personal Loans Articles

Effective Credit Repair: Long-Term Strategies for Sustained Improvement

Maintaining a good credit score is crucial for financial health. In Australia, a solid credit score can unlock better interest rates, higher credit limits, and improve your chances of loan approval. - read more

The Ultimate Guide to Repairing Your Credit Score Fast

A credit score is a numerical representation of your creditworthiness. It's derived from your credit history, which includes the total amount of debt you have, your payment history, and other financial behaviours. - read more

Mastering Money Management: The Essentials of Personal Budgeting

Embarking on a journey towards financial stability begins with the mastery of personal budgeting. It's the cornerstone of sound money management, where every dollar is allocated purposefully, paving the way for a future free from the shackles of financial stress. In this all-important first step, individuals learn the fine art of balancing their earnings with their expenditures, a fundamental skill for anyone looking to navigate their finances with confidence. - read more

Finance News

Surge in Personal Loans as Australians Face Cost of Living Pressures

11 Jun 2026: Paige Estritori

In the first quarter of 2026, Australians borrowed a record $5.1 billion in new personal loans, according to the Australian Bureau of Statistics. This significant increase reflects the mounting financial pressures many individuals are experiencing due to rising living costs. - read more

Reserve Bank of Australia Maintains Cash Rate at 4.35%

11 Jun 2026: Paige Estritori

In its June 2026 meeting, the Reserve Bank of Australia (RBA) unanimously decided to keep the cash rate steady at 4.35%. This decision reflects the central bank's cautious approach amid ongoing economic uncertainties. - read more

MONEYME Completes Significant $365.4 Million ABS Transaction

11 Jun 2026: Paige Estritori

Fintech lender MONEYME has successfully executed a $365.4 million personal loan asset-backed securities (ABS) transaction through the MME PL ABS 2026-1 Trust. This marks the company's largest ABS transaction to date and its third public capital markets transaction for the financial year, bringing total ABS issuance to over $1 billion. - read more

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Knowledgebase

Dividend:
A distribution of a portion of a company's earnings to its shareholders, usually in the form of cash or additional stock.

This website is owned and operated by Clark Family Pty Ltd (ACN 010 281 008) as Trustee for the Clark Family Trust (ABN 35 957 893 714), 43 Larch Street Tallebudgera QLD 4228. Clark Family Pty Ltd is an Authorised Representative (AR 1298860) of Unique Group Broker Services Pty Ltd (AFSL 509434) for financial product referrals and an Authorised Credit Representative (ACR 401491) of Saccasan Pty Ltd (ACL 386297). Check our licensing details on the ASIC registers: Clark Family Pty Ltd ACR, Clark Family Pty Ltd AR, Saccasan Pty Ltd, Unique Group Broker Services.

IMPORTANT: We act solely as an introducer and refer enquiries to licensed third-party brokers, insurers, and lenders. We do not provide financial product advice or credit assistance. We may receive a fee or commission from these third parties in consideration for the referral. Before any action is taken to obtain a product or service referred to by this website, advice should be obtained (from either the third party to whom we refer you or from another qualified intermediary) as to the appropriateness of obtaining those products having regard to your objectives, financial situation and needs. Whilst we have our own process for validating the legitimacy of our referral partners, you should independently verify the credentials and licensing of any adviser or provider you engage. Visit the ASIC website for further information.