Personal loan providers in Australia

Bank Australia Personal Loans

As a customer-owned bank, Bank Australia provides personal loans for a variety of purposes, from renovations to new vehicles. The bank offers competitive rates, flexible terms, and a focus on responsible lending aligned with its sustainable banking values.

Bankwest Personal Loans

Bankwest provides unsecured personal loans suitable for a range of goals, such as travel or debt consolidation. Borrowers can choose between fixed or variable interest rates and repay the loan early without fees. Loans are managed through the Bankwest app or online banking platform.

Bendigo Bank Personal Loans

Bendigo Bank offers both secured and unsecured personal loans with flexible repayment terms. Borrowers can use these loans for purposes like buying a car, paying for a holiday, or consolidating debt. Bendigo Bank provides competitive interest rates and the ability to make extra repayments without penalty.

Coles Personal Loans

Coles Financial Services offers unsecured personal loans that can be used for everyday expenses, car purchases, or debt consolidation. Loans can be managed online, and Coles credit card customers may receive additional benefits. Fixed-rate loans and flexible terms are available.

Commonwealth Bank Personal Loans

Commonwealth Bank offers both fixed- and variable-rate personal loans suited to general purposes such as travel or home improvements. Customers can apply online, enjoy flexible repayment options, and manage loans easily through the CommBank app.

Harmoney Personal Loans

Harmoney is an online lender that provides unsecured, fixed-rate personal loans up to a set limit. Loans can be used for renovations, debt consolidation, or other personal needs. Harmoney streamlines the process with an entirely online experience and personalised rate offers.

ING Personal Loans

ING offers unsecured fixed-rate personal loans available through an entirely digital application process. Loans can be used for various personal expenses, such as buying a car or consolidating debt. ING emphasises fast approvals, redraw options, and flexible repayments through its online banking services.

Latitude Personal Loans

Latitude Financial offers secured and unsecured personal loans with fixed or variable rates. Loans can be used for a wide range of personal needs, from home improvements to education expenses. Latitude is known for its simple online application process and the option for fast funding in approved cases.

Liberty Personal Loans

Liberty provides flexible personal loan solutions for a wide range of financial circumstances, including non-traditional borrowers. Both secured and unsecured loans are available. Liberty focuses on tailored loan options and quick, straightforward application processes.

MoneyPlace Personal Loans

MoneyPlace is a peer-to-peer lending platform providing unsecured loans for personal and lifestyle needs. Borrowers receive personalised rates based on their credit profile. MoneyPlace highlights transparent pricing and an easy digital application experience.

Newcastle Permanent Personal Loans

Newcastle Permanent is a member-owned mutual bank and offers secured and unsecured personal loans for personal or lifestyle purposes. It commonly provides competitive rates and flexible repayment options and its application process can be completed online, in a branch, or via phone.

Pepper Money Personal Loans

Pepper Money offers personal loans for borrowers with a variety of credit backgrounds, including those with non-standard financial situations. Loans can be used for many purposes, such as debt consolidation or large purchases. The lender can provide fast online applications and tailored loan assessments.

Plenti Personal Loans

Plenti is an Australian fintech lender offering personal loans for a range of purposes, including debt consolidation, car purchases, renovations, and green loans. Borrowers can apply online, with rates typically risk-based and set according to individual credit factors. Plenti focuses on fast approvals and flexible repayment options.

RACQ Personal Loans

RACQ offers secured and unsecured personal loans with competitive rates and flexible repayment terms. Loans can be used to buy cars, pay for holidays, or for debt consolidation. As a member-owned organisation, RACQ provides additional benefits and discounts to its customers.

SocietyOne Personal Loans

SocietyOne provides unsecured personal loans with rates partly determined by a borrower’s credit history. Applications are handled online, with funds typically available quickly after approval. SocietyOne promotes transparent rates and flexible repayment options for a range of borrowing needs.

Westpac Personal Loans

Westpac provides a range of personal loan options, including fixed- and variable-rate loans. Customers can use these funds for major purchases, renovations, or consolidating debt. Westpac allows flexible repayments, the ability to redraw funds on some loans, and offers tools to help manage repayments digitally.

Wisr Personal Loans

Wisr is a digital lending platform providing unsecured personal loans online. Its loans are designed for purposes such as refinancing, travel, or household expenses. It also offers tools to help borrowers manage their credit health. Applications are handled completely online, with typically quick approvals.