Personal Loans from 6.99% p.a.
Personal Loan Calculator
Rates last updated: 21 February 2026. Not all products from all lenders are available.
WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate. Comparison rates are based on a secured loan of $30,000 over 5 years for vehicle finance and $50,000 over 5 years for equipment finance, as required under the National Credit Code.
Personal Loans for Every Purpose
From consolidating debt to financing life's big moments, we match you with the right personal loan from our panel of 50+ lenders.
Debt Consolidation
Roll multiple debts into one manageable repayment and potentially save thousands in interest. Simplify your finances with a single, lower-rate loan.
- Combine multiple debts
- Lower interest rates
- One simple repayment
Wedding Loans
Finance your dream wedding without draining your savings. Flexible terms and competitive rates for every style of celebration.
- $5K to $75K available
- Fixed rate options
- No early repayment fees
Holiday Loans
Turn your travel bucket list into reality with affordable finance. From weekend getaways to once-in-a-lifetime overseas adventures.
- Quick approval
- Flexible terms
- Competitive rates
Medical Loans
Access the healthcare you need now, without waiting. Finance dental work, elective surgery, IVF, and other medical procedures.
- Dental & orthodontics
- Elective surgery
- IVF financing
Renovation Loans
Transform your home and add value to your property. Fund kitchen upgrades, bathroom renovations, extensions, and more.
- Home improvements
- Add property value
- Flexible amounts
Bad Credit Loans
Past credit issues don't have to hold you back. We work with specialist lenders who consider your full story, not just your credit score.
- Second chance finance
- Specialist lenders
- Rebuild your credit
Secured Personal Loans
Use an asset as security to access lower interest rates. Cars, boats, term deposits, and other assets accepted.
- Lower rates
- Higher borrowing limits
- Flexible security options
Unsecured Personal Loans
Borrow without putting up an asset as security. Faster approvals and no risk to your personal property.
- No security needed
- Fast approval
- Flexible use of funds
Personal Loans Made Simple
Getting a personal loan shouldn't be stressful. We take the complexity out of borrowing by comparing options across our entire lender panel and handling the application process for you. No jargon, no hidden fees, no surprises.
Same-Day Approval
Many of our personal loan applications are approved within hours, not days. Get your funds fast when you need them most.
50+ Lender Panel
We compare personal loans from over 50 banks, credit unions, and specialist lenders to find you the most competitive deal.
Transparent Rates
No hidden fees or surprises. We show you the full cost of your loan upfront, including comparison rates and all charges.
Expert Brokers
Our experienced personal loan specialists guide you through every option and handle the paperwork from start to finish.
Get Your Personal Loan
- Rates from 6.99% p.a. (comparison 7.45% p.a.*)
- Borrow $2,000 to $75,000
- Same-day approval available
- No impact on credit score for initial quote
- 100% free broker service
Trusted by Thousands of Australians
Real stories from real people who found better personal loan deals through us.
Consolidated $45,000 in credit card debt into one personal loan at half the interest rate. Saving over $600 a month now. Absolute lifesaver.
Got approved for a wedding loan in under 24 hours. The whole process was seamless and the rate was better than what my bank offered. Highly recommend.
Had a bad credit history from years ago but Your Finance Guide found me a lender who looked at my current situation. Finally got the fresh start I needed.
WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate. Comparison rates are based on a secured loan of $30,000 over 5 years for vehicle finance and $50,000 over 5 years for equipment finance, as required under the National Credit Code.
Personal Loan FAQs
What is a personal loan and how does it work?
How much can I borrow with a personal loan?
What interest rate will I get?
How quickly can I get approved?
Will applying for a personal loan affect my credit score?
Can I repay my personal loan early?
Ready to Get Your Personal Loan?
Compare rates from 50+ lenders in minutes. Free, no-obligation quote with no impact on your credit score.