Unsecured personal loans in Australia
An unsecured personal loan is a way to borrow money without needing to put up any security, such as a car or other asset. The table below displays a range of unsecured personal loans from Canstar’s Online Partners. The products are sorted by Star Rating (highest to lowest), lowest comparison rate, then alphabetically by brand.
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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
- 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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What is an unsecured personal loan?
An unsecured personal loan is one where you borrow money from a lender but don’t have to put up anything, such as a car or other asset, as security. That means the lender doesn’t have anything secured against the risk of you not repaying the loan.
The interest rate on an unsecured personal loan is usually higher than for a secured loan. The federal government’s Moneysmart website says this is because of this higher risk of a lender potentially not getting its money back should you default on the loan.
The maximum you can usually borrow on an unsecured loan is generally less than for a secured loan.
Frequently Asked Questions about unsecured personal loans
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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.
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About the authors
Michael Lund, Former Senior Finance Journalist
Joshua Sale, Group Manager, Research & Ratings
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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.