Find The Best Personal Loan Finance Options In Australia
At Personal Loan Finance Online, we help Australians explore personal loan finance options—fast, free, and with an initial eligibility check. With one simple quote request, we use your details to match your enquiry with a specialist broker from our national referral panel. Whether you're consolidating debt, funding a major purchase, or covering unexpected expenses, your matched broker can then compare personal loan options from their lender panel to help you find competitive solutions for your needs.
We help you find the right personal loan finance at the best rates!
Comparison results are from participating brokers linked to our referral service. We may receive a referral fee from the parties we refer you to. We do not provide financial advice or credit assistance directly.
Flexible finance for life’s important moments
A personal loan is one of the most adaptable borrowing tools available to Australian consumers. It can be used for virtually any purpose — whether you're consolidating credit card debt, paying for a wedding, renovating your home, or managing medical bills. With loan amounts typically ranging from $2,000 to $100,000, personal loans allow you to spread out big costs into manageable repayments over a fixed term.
Compare secured and unsecured options
Australian lenders offer both secured and unsecured personal loan options. Secured loans, which are backed by an asset such as a vehicle, often come with lower interest rates. Unsecured loans, while offering more flexibility, are based solely on your credit profile and income. You’ll also have the choice between fixed and variable rates, giving you control over your budgeting preferences.
Prequalify and get matched with lenders
At Loan Finance Online, we prequalify your application to help match you with lenders most likely to approve you — saving time and protecting your credit score. Our network includes a broad range of providers that cater to prime borrowers, low-doc applicants, and those with varied financial histories. One form, no obligation, and the ability to compare offers side-by-side.
Our Broker partners will seek to provide you with the most competitive rates and options available from their panel of lenders. Actual rates may vary based on your circumstances and not all lenders are represented.
Personal Advice
Loan Finance Online does not provide personal financial advice or credit assistance directly. All enquiries, including quote comparisons, credit assistance and any form of personal advice, are provided by a licensed specialist broker or lender, selected from our Australia-wide referral partner network, who will communicate with you directly after you submit a quote request.
Broker Matching
A specialist Finance Broker or Lender will be assigned to your enquiry based on your location, specific requirements and your personal circumstances, as identified from the answers you provide in your personal loan quote request. For this reason, it is important that you provide complete and accurate answers when you submit your enquiry.
Free service
Our service is free to the public. We may receive a referral fee or commission from your matched broker - regardless of whether you choose to proceed with any of their recommendations. Any fee paid to us by your broker is a general marketing expense and is not directly passed on to you nor added to your loan.
Warning to Borrowers: Unsecured personal loans
The following information is specific to unsecured personal loans.
Minimum period for repayment 6 months, maximum period 5 years.
The maximum Annual Percentage Rate (APR) including all fees and charges is 36% for small, shorter term loans.
Longer
term loans for larger amounts may be available for an APR of 15% or lower.
For example, a $1000 loan over 6 months could require a fortnightly repayment amount of as
much as $96.92 including total costs (interest fees and charges) of $260 in addition to the amount that you
borrowed.
Secured loans such as home loans, car loans, etc. are usually a much cheaper finance option. The interest
rate will be different depending on what you
are financing. For example, home loan interest rates will be typically lower than for a car, boat, caravan or
truck loan.
Your credit score plays a crucial role in your financial journey, especially when it comes to obtaining loans in Australia. It's essentially a numerical representation of your creditworthiness and helps lenders assess the risk of lending you money. - read more
Unsecured loans are a type of lending product that allow borrowers to obtain funds without the need to offer collateral. This means that the loan is not tied to any physical asset, such as a house or car, which can be seized by the lender if the borrower defaults. - read more
Loan refinancing is the process of replacing an existing loan with a new loan, usually with better terms. This financial strategy can be applied to a range of loans including mortgages, car loans, and personal loans. By refinancing, borrowers aim to achieve a more favourable interest rate, adjust the loan term, or consolidate debts. - read more
Debt consolidation loans are a financial strategy many Australians use to manage their debt more effectively. Essentially, they allow you to combine multiple debts, such as credit cards, personal loans, and other liabilities, into a single loan with one monthly payment. This can make it easier to manage your finances and could potentially reduce the amount of interest you pay over time. - read more
In October 2025, Australia witnessed a notable decrease in personal insolvencies, with the Australian Financial Security Authority (AFSA) reporting 1,116 new cases. This marks a decline from 1,169 in September 2025 and an increase from 1,009 in October 2024. The breakdown includes 601 bankruptcies, 498 debt agreements, and 17 personal insolvency agreements. Additionally, 16 new temporary debt protections were recorded, offering individuals a 21-day respite from unsecured creditor enforcement to seek advice or consider insolvency options. - read more
The Reserve Bank of Australia (RBA) has released its October 2025 Financial Stability Review, providing a comprehensive assessment of the nation's financial system amid global uncertainties. The report underscores that Australia's financial institutions are well-positioned to navigate potential challenges, with households, businesses, and banks demonstrating resilience. - read more
The Reserve Bank of Australia (RBA) has issued a cautionary note to financial institutions, advising them to maintain prudent lending practices despite improvements in borrower financial health. Recent data indicates that the proportion of mortgage holders spending more than they earn has decreased to approximately 3%, down from 5% in mid-2024. This improvement is attributed to factors such as tax cuts and easing inflation. - read more
The Australian Securities and Investments Commission (ASIC) has recently conducted a comprehensive review of the nation's motor vehicle finance sector, uncovering significant issues that raise concerns about consumer protection and lending practices. - read more
