Self Employed Personal Loans
Are you self-employed and looking for a personal loan? The table below shows a range of personal loans from our Online Partners available for those who are self-employed.
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2023 Outstanding Value Personal Loans Award Winner
- Additional repayments
- Redraw facility
- Top-up facility
- Application fee: $300 up to $1200
- Annualised fee: $0
- Loan terms available: 1 year to 7 years
100% online quote. Won't affect your credit score
No monthly account keeping or early repayment fees
- Additional repayments
- Redraw facility
- Top-up facility
- Application fee: $575
- Annualised fee: $0
- Loan terms available: 3 years to 7 years
- Additional repayments
- Redraw facility
- Top-up facility
- Application fee: $0 up to $600
- Annualised fee: $0
- Loan terms available: 3 years to 7 years
- Additional repayments
- Redraw facility
- Top-up facility
- Application fee: $300 up to $1200
- Annualised fee: $0
- Loan terms available: 1 year to 7 years
- Additional repayments
- Redraw facility
- Top-up facility
- Application fee: $300 up to $1200
- Annualised fee: $0
- Loan terms available: 1 year to 10 years
- Additional repayments
- Redraw facility
- Top-up facility
- Application fee: $300 up to $1200
- Annualised fee: $0
- Loan terms available: 1 year to 7 years
- Additional repayments
- Redraw facility
- Top-up facility
- Application fee: $175
- Annualised fee: $60
- Loan terms available: 0 to 7 years
- Additional repayments
- Redraw facility
- Top-up facility
- Application fee: $575
- Annualised fee: $0
- Loan terms available: 3 years to 7 years
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The initial results in the table above are sorted by Star Rating (High-Low) , then Comparison rate^ (Low-High) , then Provider Name (Alphabetical) . Additional filters may have been applied, see top of table for details.
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About personal loans for self-employed people
If you’re self-employed you can still apply for a personal loan but you may have a few extra hurdles to jump to prove your earnings. Potential lenders will want to know you earn enough to be able to repay the loan.
A person who works for an employer can simply show their regular payslips to prove their earnings, but if you’re self-employed, having the right paperwork can be a challenge.
There is a special type of loan you may be able to apply for if getting your hands on enough documentation proves difficult.
More than two million people are self-employed in Australia, according to the labour force figures from the Australian Bureau of Statistics. That’s a large group of people, but not all lenders offer loans to the self-employed.
So what do you need to know if you’re self-employed and want to apply for a personal loan?
Frequently Asked Questions about personal loans for self-employed people
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About the authors
Michael Lund, Former Senior Finance Journalist
Joshua Sale, Group Manager, Research & Ratings
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Important information
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This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you.