A few quick questions. About 2 minutes.
Check your personal loan options
Answer a few quick questions and a licensed broker compares personal loans for you.
- No credit check at this step
- Free, no obligation
- One licensed broker
- Only vetted, licensed brokers
- A broker calls within one business day
- The broker handles the application
For debt consolidation, a renovation, a car or anything else. Your Finance Guide connects you with one licensed broker who compares personal loans from a panel of lenders and calls within one business day.
How much do you need?
A rough figure is fine.
Free matching, no obligation and no credit check at this step.
Personal loans: amounts, terms and costs
What the lenders our brokers work with offer. A broker gives you your own rate after the lender assesses you.
- Loan amounts
- $5,000 to $100,000
- Repayment period
- Minimum 1 year, maximum 7 years
- Maximum annual percentage rate
- 36.46% p.a.
- Representative example
- Personal loan, unsecured, $30,000 over 5 years at 12.99% p.a., comparison rate 14.36% p.a.*, establishment fee $495 (added to the loan), monthly fee $10, 60 monthly repayments of $703.70, total repayable $42,222.00.
*WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Rates and fees as at 13 October 2026. Your actual rate, fees and repayments depend on the lender’s assessment. This is not an offer of credit.
How it works
Step 1: Answer a few quick questions
The amount, what it’s for, your income and your credit history. About 2 minutes, no credit check at this step.
Step 2: Confirm your mobile
A 6-digit code by text, so your answers reach the right person.
Step 3: Talk to one licensed broker
They call within one business day, compare lenders and give you your actual rate. No obligation.
See your personal loan options
Start nowPersonal loans: common questions
How much can I borrow with a personal loan?
The lenders brokers use lend from about $5,000 to $100,000. Most cap unsecured loans somewhere between $50,000 and $80,000, and the larger amounts usually need security such as a car. What you can borrow depends on your income, your other debts and your credit history.
Will this affect my credit score?
No. Your answers only decide which broker should call you. A credit enquiry happens only when you choose to apply with a lender.
What rate will I get?
The lender sets it after assessing you: your income, your credit history, the amount and the term. The box on this page shows the range and a worked example with every fee. We never quote a personal rate; the broker gives you your actual rate.
Can I consolidate my debts with a personal loan?
Yes. One loan pays out cards and other loans, leaving one repayment. It only saves money if the new rate and fees come in under what you pay now, and the cards are closed or their limits cut. The broker works that out with you before anything is signed.
What do I need to apply?
Photo ID, your two most recent payslips (or two years of tax returns if you are self-employed) and three months of bank statements. For a debt consolidation loan, add a recent statement for each debt.
How does Your Finance Guide make money?
Licensed brokers who meet our criteria pay Your Finance Guide a partnership fee to receive enquiries from this site. The fee is paid by the broker, not by you, and is not added to your loan. You never pay us. Brokers are usually also paid a commission by the lender when a loan settles, so ask the broker you speak with how they are paid. Full details are in our Credit Guide.
See your personal loan options
Start now