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Personal loans from 5.99%

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Individuals with a good credit rating seeking a personal loan to fund significant expenses like home renovations or debt consolidation.

APR 5.95%
5.95%
18.99%
Amount A$5k–A$75k
Term 24–60 months
Decision Fast online approval

With starting at 5.95%, OurMoneyMarket personal loans are an for those with good credit looking for substantial borrowing. However, the higher APR can reach up to 18.99%, which may deter some borrowers.

Toyota Finance Australia

Toyota Finance Personal Car Loan

Best for Australian residents looking to finance a new or used vehicle, especially Toyotas.

APR 7.0%
7.0%
12.0%
Amount A$5k–A$150k
Term 12–60 months

This car loan is a solid choice for those purchasing a Toyota, offering tailored financing and fixed rates.

This loan is best for individuals with building credit looking to finance personal projects like renovations or debt consolidation.

APR 5.76%
5.76%
24.03%
Amount A$2k–A$70k
Term 24–84 months
Decision Fast online approval, funds within 24 hours

Harmoney offers a streamlined online personal loan experience, ideal for those seeking quick access to funds without the hassle of branch visits.

This loan is ideal for Australian residents needing substantial financing for cars, with quick approval times.

APR 6.74%
6.74%
13.54%
Amount A$10k–A$100k
Term 12–84 months
Decision Same day approval with funds within one business day after agreement

NAB's secured car loan offers flexibility and competitive rates for borrowers looking to finance a vehicle.

This loan is best for individuals seeking an unsecured option to improve their credit score with fixed rates.

APR 6.17%
6.17%
24.09%
Amount A$2k–A$75k
Term 12–84 months
Decision Funds in as little as 24 hours from approval

Plenti offers a flexible personal loan option for those looking to build their credit. However, the lack of a dedicated page means information may be limited.

This loan is best for Australian residents looking to finance a new or used vehicle with manageable repayments.

APR 6.49%
6.49%
12.99%
Amount A$5k–A$100k
Term 12–84 months

Westpac's car loan features competitive rates and flexible terms, making it a solid choice for many borrowers.

This loan is best for individuals with high credit ratings looking for flexible repayment options and fast approval times.

APR 7.0%
7.0%
21.99%
Amount A$4k–A$50k
Term 12–84 months
Decision Same day for eligible customers

Westpac offers competitive fixed-rate personal loans suitable for various needs, but terms and eligibility criteria can be stringent.

This loan is ideal for Australian residents looking for loans between $5,000 and $100,000 with competitive rates.

APR 7.49%
Amount A$5k–A$75k
Term 36–84 months
Decision Personalised rate in as little as 60 seconds; average settlement about 24 hours

Plenti's secured car loan is a suitable option for those needing a flexible loan for their vehicle, especially with quick approval.

This loan is best for those with a strong credit history looking for a reliable lender with established customer service.

APR 7.25%
7.25%
22.25%
Amount A$4k–A$50k
Term 12–84 months
Decision Same day for eligible customers

The Commonwealth Bank Personal Loan offers competitive rates and flexible terms, making it a solid choice for eligible borrowers.

Commonwealth Bank

CommBank Secured Car Loan

Borrowers with a steady income and good credit seeking a loan for a new or used vehicle.

APR 6.79%
6.79%
10.79%
Amount A$4k–A$120k
Term 12–84 months

CommBank offers one of the more competitive fixed rates for car loans, but the eligibility criteria can be strict, particularly for those with lower credit scores. It's a good fit for borrowers looking for a loan with fixed repayments but may not suit those needing more flexible terms.

Individuals with strong credit histories seeking a personal loan for major expenses or consolidating debt.

APR 6.19%
6.19%
19.99%
Amount A$5k–A$60k
Term 12–84 months
Decision Same day for eligible customers

The ING Personal Loan offers competitive fixed rates starting at 6.19% p.a., making it suitable for those looking for predictable repayments. However, applicants with lower credit scores may face higher rates.

This loan is best for individuals looking to fund personal projects like renovations, travel, or debt consolidation without incurring extra charges.

APR 7.5%
7.5%
12.99%
Amount A$5k–A$55k
Term 12–84 months
Decision Apply online

The NAB Personal Loan offers flexibility with no monthly fees, making it a practical choice for various financial needs.

Ideal for those seeking a reliable loan from a major Australian bank with the option for both fixed and variable rates.

APR 7.49%
7.49%
19.99%
Amount A$5k–A$75k
Term 12–84 months
Decision Apply online

The ANZ Personal Loan offers competitive rates and flexible options, making it a solid choice for borrowers with good credit.

This loan is best for individuals who may struggle to secure financing from traditional banks due to credit issues or unconventional financial situations.

APR 5.67%
5.67%
24.99%
Amount A$3k–A$80k
Term 36–84 months
Decision Get personalised rate in minutes

Liberty Financial offers accessible personal loans tailored for those with less-than-perfect credit histories, making it a viable option for many borrowers.