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Rates · Personal loans

Personal loans: every current advertised rate

241 personal loans from 63 lenders, lowest rate first, each the figure its lender publishes under the Consumer Data Right today. 41 products restricted by occupation, employer or membership are left out and listed on the lender's page. Click a product for every rate, its 30-day history and its latest moves. What a comparison rate is.

Lowest rate
5.55%
Unity Bank
Median rate
8.24%
across 241 products
Lenders
63
with a current rate

The lowest rate, 5.55%, is 2.69 points below the median of 8.24% on this page; 4 lenders price within 0.25 points of it. In the last 30 days 23 lenders repriced a personal loan: 2 cut a rate and 21 lifted one. The latest was CBA on 3 November 2026, cutting Unsecured Fixed Rate Personal Loan from 7.25% to 6.99%.

Every personal loan rate (241)

LenderProductAdvertised rateComparison rate
Unity BankGreen Upgrades Loan (with mortgage)5.55%5.55%
Unity BankCommunity Support Loan5.60%6.65%
WestpacCar Loan5.74%7.16%
SWSbank5 Year Variable Interest Vehicle Loan5.79%5.79%
bankWAWGreen Car Loan5.79%5.82%
SWSbankFixed Rate Vehicle Loan5.99%5.99%
People's Choice and HeritageGreen Car Loan5.99%6.34%
NABNAB Car Loan5.99%7.55%
SWSbank7 Year Variable Interest Vehicle Loan6.00%6.00%
Unity BankGreen Upgrades Loan6.05%6.05%
MOVE BankMove Car Loan6.09%
INGING Personal Loan6.19%7.03%
Liberty FinancialSecured personal loan6.20%6.63%
Bendigo BankBendigo Secured Green Personal Loan6.24%6.61%
IMB BankNew Car Loan6.24%6.59%
Greater BankNew Car Loan6.24%6.63%
Queensland Country BankPersonal Loan-Green Car Loan6.24%6.53%
The MacL38 New Car Loan Fixed Special6.29%6.66%
Bank of usResidentially Secured Personal Loan6.29%6.57%
Australian Military BankCar Loan6.35%7.27%
Auswide BankCar Loan6.48%7.19%
People's Choice and HeritageCar Loan6.49%6.84%
People's Choice and HeritageDiscounted Personal Loan6.49%6.84%
Horizon BankGreen Car - New6.49%6.71%
Unity BankGreen Car Loan6.49%6.49%
Broken Hill BankL37 Car Loan6.49%6.88%
Southern Cross Credit UnionMotor Scout New Vehicle Loan6.49%8.85%
Bank of usPersonal Loan6.49%6.77%
BankSASecured Fixed Personal Loan6.49%7.90%
Bank of MelbourneSecured Fixed Personal Loan6.49%7.90%
St.George BankSecured Fixed Personal Loan6.49%7.90%
Newcastle Permanent Building SocietySecured Personal Loan & Car Loan6.49%6.84%
Police Credit UnionThe Best Car Loan - Special Offer6.49%6.90%
BCU BankNew Car Loan6.74%7.05%
Greater BankSecured Personal Loan6.78%7.17%
Bank FirstNew Car Loan Personal Lending 1-5 Years Fixed Unsecured6.79%7.06%
Bank FirstNew Car Loan Personal Lending Variable Unsecured6.79%8.12%
Horizon BankPersonal Mortgage Sec.6.79%9.07%
Horizon BankPersonal Saving Freeze6.79%7.00%
CBASecured Fixed Rate Car Loan6.79%8.20%
Orange Credit UnionNew Car Loan6.89%7.26%
Defence BankNew Car Loan6.89%7.66%
Liberty FinancialUnsecured personal loan6.89%6.89%
Defence BankUsed Car Loan6.89%7.66%
Credit Union SAEducation Community online-only Special Fixed Rate Personal Loan6.94%6.94%
Regional Australia BankAccelerator Car Loan6.99%7.30%
CommFCUCar Loan - Fixed6.99%8.04%
CommFCUCar Loan - Variable6.99%8.04%
Police BankDriveaway Car Loan6.99%7.13%
Border BankDriveaway Car Loan6.99%7.13%
Queensland Country BankPersonal Loan-Green Reno6.99%6.99%
RevolutRevolut Personal Loan6.99%
IMB BankSecured Personal Loan6.99%7.34%
CBAUnsecured Fixed Rate Personal Loan6.99%8.04%
CBAUnsecured Variable Rate Personal Loan6.99%8.04%
BankSAUnsecured Fixed Personal Loan7.00%8.41%
Bank of MelbourneUnsecured Fixed Personal Loan7.00%8.41%
St.George BankUnsecured Fixed Personal Loan7.00%8.41%
BankSAUnsecured Variable Personal Loan7.00%8.41%
Bank of MelbourneUnsecured Variable Personal Loan7.00%8.41%
St.George BankUnsecured Variable Personal Loan7.00%8.41%
Gateway BankCar Loan7.04%7.25%
Beyond Bank AustraliaLow Rate Car Loan Special7.04%8.05%
Police Credit UnionBetter Car Loan7.14%7.40%
TMCUGreenroad7.14%7.45%
Central West Credit UnionSet-Off Loan7.15%7.36%
Coastline BankStaff Personal Loan7.15%
Police Credit UnionLow Rate Car Loan Special Offer - Variable7.23%7.39%
Credit Union SAEducation Community Special Fixed Rate Personal Loan7.24%7.24%
Summerland BankPersonal Loan7.24%7.84%
QBankPersonal Loan7.24%7.87%
Qudos BankCar Loan7.29%7.50%
Bank AustraliaFixed Car Loan7.29%7.50%
WestpacUnsecured Personal Loan7.29%8.69%
Cairns BankPersonal Loan - Secured (residential)7.34%8.21%
TMCUFastroad New Car Loan7.39%7.70%
The CapricornianCar & Motor Vehicle Loans7.43%7.78%
Regional Australia BankEnviro Loan7.45%8.79%
ANZANZ Fixed Rate Personal Loan7.49%8.18%
ANZANZ Variable Rate Personal Loan7.49%8.18%
Summerland BankCar Loan7.49%8.15%
Police Credit UnionFixed Car Loan7.49%7.65%
Police Credit UnionFixed Rate Personal Loan7.49%7.65%
RACQ BankGreen Car Loan7.49%7.49%
Queensland Country BankPersonal Loan-Boat Loan7.49%8.29%
NABNAB Personal Loan7.50%8.41%
bankWAWPersonal Loan Secured7.59%7.62%
Central West Credit UnionClassic Car Loan - New Vehicle7.60%7.82%
Central West Credit UnionClassic Car Loan - Used Vehicle no more than 7 years old7.70%7.92%
Northern Inland Credit UnionBrand New Vehicle Loan7.74%8.30%
Horizon BankGreen Car Loan - Used7.74%7.96%
Queensland Country BankPersonal Loan-Secured New Car7.74%8.38%
Coastline BankFTD Secured Personal Loan7.75%8.20%
Coastline BankSecured Personal Loan7.75%9.29%
GMCUPersonal Loan - Secured7.79%8.04%
Auswide BankUnsecured Personal Loans7.79%8.49%
Bank FirstUsed Car Loan Personal Lending 1-5 Years Fixed Unsecured7.79%9.13%
Broken Hill BankL23 Cash Secured7.94%8.63%
Credit Union SAOnline-only Special Fixed Rate Personal Loan7.94%8.43%
Unity BankDiamond Fair Rate Personal Loan Varibale P&I7.99%8.00%
Unity BankFixed Rate Car Loan P&I <5Y7.99%8.01%
P&N BankFixed Secured Personal Loan7.99%8.65%
Maitland MutualSecured Personal Loan7.99%8.27%
First Option BankVip Personal Loan7.99%8.24%
Cairns BankPersonal Loan - Secured PPSR8.00%8.87%
DnisterPremier Personal Loan8.02%8.70%
Laboratories Credit UnionNew Wheels Car Loan8.05%8.33%
RACQ BankFixed Rate Car Loan8.19%8.36%
Police Credit UnionVariable Car Loan8.23%8.40%
Bendigo BankBendigo Green Unsecured Personal Loan8.24%9.27%
Southern Cross Credit UnionEmoney New Vehicle Loan8.24%9.15%
Southern Cross Credit UnionEmoney Secured Personal Loan8.24%9.15%
Horizon BankFixed Personal Loan8.24%8.46%
Horizon BankGreen Personal Loan8.24%8.92%
Southern Cross Credit UnionLj Hooker New Vehicle Loan8.24%9.15%
Southern Cross Credit UnionLj Hooker Secured Personal Loan8.24%9.15%
Southern Cross Credit UnionMotor Scout Used Vehicle Loan8.24%10.61%
Southern Cross Credit UnionNew Vehicle Loan8.24%9.15%
Horizon BankNew/used Car To 12mths8.24%8.46%
Southern Cross Credit UnionSecured Personal Loan8.24%9.15%
Credit Union SASpecial Fixed Rate Personal Loan8.24%8.73%
People's Choice and HeritageStaff Personal Loan8.27%
Liberty FinancialLow doc car loan8.29%
SWSbankGreener Futures Loan8.35%8.35%
Darling Downs BankAuto Loans8.49%9.19%
Darling Downs BankAuto Loans8.49%9.23%
Hume BankCommercially Secured Personal Loan8.49%8.70%
RACQ BankGreen Personal Loan8.49%8.49%
Hume BankInvestment Secured Personal Loan8.49%8.70%
Beyond Bank AustraliaLow Rate Car or Personal Loan8.49%9.49%
bankWAWPersonal Loan Secured Other8.49%8.52%
Alex.BankSecured Fixed Rate Personal Loan8.49%8.91%
Hume BankSecured Personal Loan8.49%8.70%
SWSbankSecured Personal Loan8.50%8.50%
Darling Downs BankAuto Loans8.71%9.58%
Darling Downs BankAuto Loans8.71%9.58%
Coastline BankPersonal Car Loan8.75%9.33%
Australian Military BankPersonal Loan8.95%9.85%
BankVicCar Loan Fixed 1-5 Years8.99%9.12%
Liberty FinancialFlexible car loan8.99%10.65%
People's Choice and HeritageStandard Personal Loan Fixed8.99%9.35%
Alex.BankUnsecured Fixed Rate Personal Loan8.99%8.99%
People's Choice and HeritageUnsecured Personal Loan8.99%10.73%
Greater BankUnsecured Personal Loan8.99%9.39%
Newcastle Permanent Building SocietyUnsecured Personal loan8.99%9.35%
Defence BankPersonal Loan9.09%10.06%
Credit Union SAEducation Community Fixed Rate Personal Loan9.24%9.24%
Queensland Country BankPersonal Loan-Reno9.24%10.14%
IMB BankUnsecured Personal loan9.24%9.60%
Bank FirstGreen Car Loan Personal Lending 1-5 Years Fixed Unsecured9.29%9.57%
Bank FirstGreen Car Loan Personal Lending Variable Unsecured9.29%9.57%
TMCUFastroad Used Car Loan9.39%9.70%
Bank AustraliaLifestyle Personal Loan9.49%10.53%
Qudos BankPersonal Loan9.49%10.53%
The MacSecured Personal Fixed9.49%9.87%
Northern Inland Credit UnionUsed Vehicle Loan9.49%10.32%
Laboratories Credit UnionNew9.50%9.79%
Cairns BankPersonal Loan - Unsecured9.50%12.59%
Central West Credit UnionPremium Personal Loan9.50%10.52%
Bendigo BankBendigo Secured Personal Loan9.54%10.26%
Bendigo BankBendigo Secured Student Personal Loan9.54%9.70%
BCU BankFreedom Loan Unsecured9.55%9.84%
Southern Cross Credit UnionEmoney Unsecured Personal Loan9.64%10.56%
Southern Cross Credit UnionLj Hooker Unsecured Personal Loan9.64%10.56%
Bank FirstPersonal Loan Personal Lending 1-5 Years Fixed Unsecured9.64%11.00%
Bank FirstPersonal Loan Personal Lending Variable Unsecured9.64%11.00%
Southern Cross Credit UnionUnsecured Personal Loan9.64%10.56%
P&N BankFixed Unsecured Personal Loan9.74%10.37%
Broken Hill BankL35 Credit Card Consolidation9.75%10.18%
Horizon BankBudget Personal Loan9.99%10.13%
Unity BankEmerald Fair Rate Personal Loan Variable P&I9.99%10.00%
Unity BankFixed Rate Car Loan P&I >5Y9.99%10.01%
Police BankPersonal Loan9.99%10.13%
Border BankPersonal Loan9.99%10.13%
Coastline BankFixed Rate Car Loan10.00%10.59%
DnisterPersonal Loan Unsecured10.17%10.86%
Credit Union SAFixed Rate Personal Loan10.24%10.74%
Regional Australia BankPersonal Touch Loan10.49%11.85%
Laboratories Credit UnionDrive Away Car Loan10.50%10.79%
Central West Credit UnionPersonal Loan10.50%11.53%
CommFCUPersonal Loan10.74%11.76%
CommFCUPersonal Loan - Fixed10.74%11.76%
Broken Hill BankL27 Personal Loan10.75%11.18%
Bank FirstUsed Car Loan Personal Lending Variable Unsecured10.79%12.16%
Laboratories Credit UnionHome Renovation Loan10.85%11.14%
Orange Credit UnionSecured Personal Loan10.89%11.27%
The CapricornianPersonal Loans10.94%11.30%
First Option BankNew Car Loan10.99%11.24%
Unity BankSapphire Fair Rate Personal Loan Variable P&I10.99%11.00%
First Option BankUsed Car Loan10.99%11.24%
Darling Downs BankPersonal Loans11.10%14.81%
QBankPersonal Loan11.24%11.86%
Arab Bank AustraliaPersonal Loan11.30%12.32%
TMCUUnsecured Loan11.39%11.71%
RACQ BankUnsecured Personal Loan11.49%11.67%
RACQ BankUnsecured Personal Loan11.49%11.67%
RACQ BankUnsecured Personal Loan11.49%11.67%
Gateway BankPersonal Loan11.59%12.63%
TMCUTravel Loan11.64%12.21%
Bendigo BankBendigo Unsecured Student Personal Loan11.74%11.74%
Darling Downs BankAuto Loans11.75%12.75%
Darling Downs BankAuto Loans11.75%12.75%
Queensland Country BankPersonal Loan-Secured11.94%12.90%
BankVicPersonal Loan Variable11.95%12.08%
TMCUCredit Card Crusher12.14%12.46%
bankWAWPersonal Loan Unsecured12.29%12.33%
Gateway BankFixed Rate Personal Loan12.34%13.39%
Liberty FinancialFresh start car loan12.49%15.06%
Northern Inland Credit UnionPersonal Loan Unsecured12.49%15.58%
Maitland MutualUnsecured Personal Loan12.49%12.79%
Hume BankUnsecured Personal Loan12.49%12.71%
Credit Union SAEducation Community Variable Rate Personal Loan12.60%12.60%
SWSbankUnsecured Personal Loan12.95%12.95%
RACQ BankDebt Consolidation Loan12.99%13.17%
Beyond Bank AustraliaFlexi Car or Personal Loan12.99%13.87%
Unity BankRuby Fair Rate Personal Loan Variable P&I12.99%13.01%
Coastline BankUnsecured Personal Loan13.25%15.54%
Credit Union SAVariable Rate Personal Loan13.60%14.12%
MOVE BankPersonal Loan13.74%
Darling Downs BankAuto Loans13.75%14.61%
Darling Downs BankAuto Loans13.75%14.86%
Broken Hill BankL28 Personal Loan13.75%14.20%
Orange Credit UnionUnsecured Personal Loan13.89%15.63%
Defence BankConsolidation Loan13.99%14.93%
First Option BankPersonal Loan13.99%14.25%
Beyond Bank AustraliaLine of Credit14.49%
Bendigo BankBendigo Unsecured Personal Loan14.54%16.64%
Queensland Country BankPersonal Loan-Unsecured14.69%15.55%
Traditional Credit UnionPersonal Loan14.95%15.67%
GMCUPersonal Loan - Unsecured14.95%15.18%
Great Southern BankGreen Car Loan15.00%6.43%
Great Southern BankSecured Fixed Car Loan15.00%6.83%
Laboratories Credit UnionPersonal Loan15.25%15.55%
The MacUnsecured Personal Fixed15.99%16.29%
Broken Hill BankL41 Personal Loan16.15%16.61%
Regional Australia BankPersonal Loan16.24%17.65%
Unity BankOpal Fair Rate Personal Loan Variable P&I16.99%17.01%
Great Southern BankUnsecured Fixed Personal Loan17.00%7.69%
Great Southern BankUnsecured Green Personal Loan17.00%6.69%
Broken Hill BankL21 Personal Loan17.90%20.20%
WestpacFlexi Loan18.99%

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