Editor shortlists
Low-friction personal loans
Compare lenders that keep eligibility checks light and turnaround times quick.
- Signal
- High
- Review
- Clear
- Speed
- Fast
Scout Picks
Compare personal loans
We highlight the strongest rates, requirements, and timelines up front so you can compare faster.
- Fast scan
- Top options summarized in one view
- Clear terms
- Rates, fees, or fit signals are easy to spot
- No fluff
- Straight to the shortlist before deeper research
-
01
-
Flexible mid-range options
02Useful when you want stronger detail and a bit more room to compare tradeoffs.
Explore this group → -
Need a wider view?
03Open the full results page to compare more providers, filters, and editorial notes.
View all results
Recently added
- Rate
- 7.25–22.25%
- Amount
- A$4k–A$50k
- Timing
- Same day for eligible customers
Australia's largest bank offering fixed and variable rate personal loans with flexible terms.
- Australian citizen or permanent resident
- Regular income
- Good credit history for lowest rates
- Rate
- 7.0–12.0%
- Amount
- A$5k–A$150k
- Timing
- —
Personal fixed rate car loan from Toyota Finance Australia. Tailored financing for Toyota and other vehicle purchases.
- Australian resident
- Regular income
- Age 18+
- Rate
- 6.17–24.09%
- Amount
- A$2k–A$75k
- Timing
- Funds in as little as 24 hours from approval
Australian fintech offering unsecured fixed rate personal loans online.
- Australian citizen or permanent resident
- 18 years or older
- Regular income
- Rate
- 6.74–13.54%
- Amount
- A$10k–A$100k
- Timing
- Same day approval with funds within one business day after agreement
test
- Australian sole borrower
- Direct debit repayments
- Vehicle used as security
- Rate
- 5.76–24.03%
- Amount
- A$2k–A$70k
- Timing
- Fast online approval, funds within 24 hours
100% online personal loan with quick approval and no branch visits required.
- Australian citizen or permanent resident
- 18 years or older
- Regular income
- Rate
- 6.79–10.79%
- Amount
- A$4k–A$120k
- Timing
- —
Secured fixed rate car loan from Commonwealth Bank with competitive rates for new and used vehicles. Green loan discount for EVs and plug-in hybrids.
- Australian resident
- Regular income
- Age 18+
- Rate
- 7.49–19.99%
- Amount
- A$5k–A$75k
- Timing
- Apply online
Big four Australian bank offering fixed and variable personal loans with competitive rates.
- Australian citizen or permanent resident
- 18 years or older
- Regular income
- Rate
- 7.49%
- Amount
- A$5k–A$75k
- Timing
- Personalised rate in as little as 60 seconds; average settlement about 24 hours
Plenti offers secured car loans from $5,000 up to $100,000, with 3 to 7 year terms and interest rates from 7.49% p.a.
- Australian resident
- Credit assessment required
- Vehicle used as security for secured loan
- Rate
- 7.0–21.99%
- Amount
- A$4k–A$50k
- Timing
- Same day for eligible customers
Major Australian bank with fixed rate personal loans and unsecured options.
- Australian citizen or permanent resident
- 18 years or older
- Regular income
- Rate
- 6.49–12.99%
- Amount
- A$5k–A$100k
- Timing
- —
Secured car loan from Westpac with competitive rates for new and used vehicles up to 7 years old.
- Australian resident or citizen
- Regular income
- Age 18+
- Rate
- 7.5–12.99%
- Amount
- A$5k–A$55k
- Timing
- Apply online
National Australia Bank personal loans with no monthly fees and early repayment flexibility.
- Australian citizen or permanent resident
- 18 years or older
- Regular income
- Rate
- 5.95–18.99%
- Amount
- A$5k–A$75k
- Timing
- Fast online approval
Award-winning fintech lender with some of Australia's lowest personal loan rates.
- Australian citizen or permanent resident
- 18 years or older
- Regular income
- Rate
- 6.19–19.99%
- Amount
- A$5k–A$60k
- Timing
- Same day for eligible customers
ING Australia's fixed rate unsecured personal loan with no ongoing fees.
- Australian citizen or permanent resident
- 18 years or older
- Regular income
- Rate
- 5.67–24.99%
- Amount
- A$3k–A$80k
- Timing
- Get personalised rate in minutes
Non-bank lender specializing in loans for borrowers who may not qualify with major banks.
- Australian citizen or permanent resident
- 18 years or older
- Employed with minimum $20,000 p.a. income