Compare personal loans in Victoria
Are you in Victoria and need a personal loan? The table below shows a range of personal loans from our Online Partners.

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Additional repayments
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Redraw facility
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Top-up facility
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Application fee: $0
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Annualised fee: $0
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Loan terms available: 1 year to 7 years
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Additional repayments
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Redraw facility
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Top-up facility
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Application fee: $0
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Annualised fee: $0
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Loan terms available: 3 years
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Additional repayments
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Redraw facility
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Top-up facility
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Application fee: $0
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Annualised fee: $0
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Loan terms available: 3 years to 7 years
Fast quote. No account required.
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Additional repayments
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Redraw facility
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Top-up facility
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Application fee: $575
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Annualised fee: $0
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Loan terms available: 3 years to 7 years
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Additional repayments
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Redraw facility
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Top-up facility
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Application fee: $0
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Annualised fee: $0
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Loan terms available: 3 years
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Additional repayments
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Redraw facility
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Top-up facility
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Application fee: $0
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Annualised fee: $0
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Loan terms available: 1 year to 7 years
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Additional repayments
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Redraw facility
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Top-up facility
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Application fee: $0
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Annualised fee: $0
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Loan terms available: 3 years to 7 years
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Additional repayments
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Redraw facility
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Top-up facility
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Application fee: $0
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Annualised fee: $0
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Loan terms available: 1 year to 7 years
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Additional repayments
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Redraw facility
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Top-up facility
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Application fee: $300 up to $1200
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Annualised fee: $0
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Loan terms available: 1 year to 7 years
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Additional repayments
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Redraw facility
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Top-up facility
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Application fee: $300 up to $1200
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Annualised fee: $0
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Loan terms available: 1 year to 7 years
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Additional repayments
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Redraw facility
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Top-up facility
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Application fee: $575
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Annualised fee: $0
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Loan terms available: 3 years to 7 years
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Additional repayments
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Redraw facility
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Top-up facility
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Application fee: $175
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Annualised fee: $60
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Loan terms available: 0 to 7 years
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The initial results in the table above are sorted by Star Rating (High-Low) , then Comparison rate^ p.a. (Low-High) , then Provider Name (Alphabetical) . Additional filters may have been applied, which impact the results displayed in the table - filters can be applied or removed at any time.
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Rated 5 stars by Canstar for Outstanding Value for 3 years in a row.
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No early repayment, exit, or monthly account fees.
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Loans between $5,000 and $100,000.
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Interest rates displayed are 'from' price, rates can vary according to personal circumstances
About personal loans in Victoria
If you’re a Victorian resident looking to take out a personal loan, you can use the comparison table above to compare your personal loan options from our Online Partners.
What are the different types of personal loans?
Fixed or variable rate personal loans
Personal loans are offered with a fixed or variable interest rate. If you take out a personal loan with a fixed interest rate, the interest rate will stay the same during the loan term regardless of changes in economic factors (e.g. the cash rate rising or falling). With a variable interest rate, the interest rate on the loan can go up or down due to these economic factors.
Secured or unsecured personal loans
Personal loans can also be either secured or unsecured. A secured personal loan requires you to provide an asset to be used as a security for the loan, also known as ‘collateral’. For example, car loans are often secured by the vehicle you’re buying. If you don’t repay the loan on time or can no longer repay the loan, the lender can repossess the asset put forward as collateral and sell it to recover the remaining loan amount.
An unsecured personal loan doesn’t require an asset to be provided as security. Interest rates are typically higher on unsecured loans as a result. This is due to the provider not having the added financial security, therefore taking on what’s considered a ‘more risky’ loan. If you don’t make your repayments, the lender may take you to court in order to recover the remaining loan amount.
Short-term and payday loans
Short-term and payday loans are small loans with short repayment terms that function in a different way to personal loans. They often charge high fees instead of interest.
How to compare personal loans?
It’s important to compare your personal loan options to make sure you’re getting the right loan for your needs and aren’t paying more than you need to in interest or fees. Some factors to consider include:
- Interest rate: This can vary depending on the lender, whether the loan is secured or unsecured, and your personal circumstances (such as your credit score and whether you have a loan guarantor). You can check your credit score for free with Canstar or via the Canstar App.
- Comparison rate: This rate takes into account the interest rate and most upfront and ongoing fees. It’s designed to give you a better idea of the total cost of the loan per year.
- Fees and charges: These can include application fees, monthly fees, missed payment fees and early payment fees.
- Loan term: The loan term refers to the length of time in which the loan will last, which could be anywhere from 12 months to up to 10 years. A loan with a longer term may have lower repayments, but it also means you will pay more in interest over the life of the loan.
- Flexibility around additional repayments: Most lenders on Canstar’s database allow you to make extra and lump sum repayments, but it’s important to check whether any additional fees apply.
You can compare personal loan options from our Online Partners or change the filters to better suit your requirements.
How to find the best personal loan in Victoria?
The best personal loan in Victoria for you will depend on your own needs and financial circumstances. Comparing your options is a good way to find a personal loan that suits your needs. Consider factors such as the price of repayments (including the interest rate and fees), loan term and features (such as if you can make additional repayments and pay off the loan early without penalty).
To help you narrow down your options, Canstar researches and rates hundreds of products and awards personal loan providers who offer Outstanding Value to borrowers as part of its annual Personal and Car Loan Awards.
Latest in personal loans
Canstar Personal Loans Star Ratings and Awards
Looking for an award-winning personal loan or to switch lenders? Canstar rates products based on price and features in our Personal Loans Star Ratings and Awards. Our expert Research team shares insights about which products offer 5-Star value and which providers offer outstanding value overall.
Canstar rates a range of financial products, covering banking, insurance and investment. We also reveal which providers have the most satisfied customers in our dedicated Customer Satisfaction Awards.
About the authors
Nick Whiting, Content Producer

Joshua Sale, GM, Research

Important information
For those that love the detail
This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you.