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Personal loans · $10,000 – $100,000
A personal loan with a purpose behind it
Fixed-term, fixed-repayment finance from $10,000. Tell us what it's for and what you earn, and we'll take it to the lenders on our panel most likely to price it well.
A personal loan is a fixed sum repaid over a set term with a set repayment. It suits a defined, one-off cost — not ongoing shortfalls. If you're borrowing to cover regular living expenses, a loan will make the position worse rather than better, and we'd rather point you toward free financial counselling than write it.
Our panel covers bank and non-bank lenders. Where you land depends on your income, your credit profile, what the funds are for, and whether you can offer security.
What it typically covers
- Medical, dental or veterinary costs
- Moving, relocation and rental bonds
- Legal or professional fees
- Education and course fees
- Furniture, appliances or a major purchase
- A planned trip or event
What you get from us
Fixed repayments
You know the amount and the date for the life of the loan. No moving target.
$10,000 and above
We work in the mid-market. Below $10,000, other products usually serve you better.
Panel access
One enquiry, assessed against multiple lenders rather than a single lending policy.
Purpose matters
Lenders price on purpose as well as profile. Being specific improves your outcome.
Eligibility
What lenders look at
- You're 18 or over and an Australian citizen or permanent resident
- You have some regular income — from work, self-employment, superannuation, investments or a pension
- You're borrowing an amount you can service comfortably — most of our panel starts around $10,000
- You can comfortably meet the repayments alongside your existing commitments
Every lender on the panel weighs these differently, so none of it is a fixed cut-off — send the enquiry and we'll tell you honestly what is and isn't available. If money is already tight, the National Debt Helpline offers free, independent financial counselling, with nothing to sell you.
Enquire about personal loans
Two minutes. No credit check.
Rates and fees
What it costs
Unsecured
- Establishment fee
- $250
- Monthly fee
- $0
- Early repayment fee
- $0
- Repayment period
- 12 to 84 months
- Repayment frequency
- Weekly, fortnightly or monthly
Maximum comparison rate: 25.41% p.a.
Representative example. An unsecured loan of $30,000 over 60 months at 13.99% p.a. (comparison rate 14.37% p.a.), including the $250 establishment fee, means repayments of $703.71 per month and a total amount payable of $42,222.
Rates and examples on this page were last reviewed on . They are indicative of our lender panel and are not an offer of credit. Your actual rate depends on the lender's assessment of your circumstances.
Secured
- Establishment fee
- $195
- Monthly fee
- $0
- Early repayment fee
- $0
- Repayment period
- 12 to 84 months
- Repayment frequency
- Weekly, fortnightly or monthly
Maximum comparison rate: 19.30% p.a.
Representative example. A secured loan of $30,000 over 60 months at 10.99% p.a. (comparison rate 11.29% p.a.), including the $195 establishment fee, means repayments of $656.14 per month and a total amount payable of $39,368.
WARNING: The comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Comparison rates are calculated on a loan of $30,000 over a 5 year term.
Rates shown are the range available across our lender panel. The rate you are offered depends on your credit profile, income, the loan amount and term, and whether the loan is secured. Not every applicant will qualify for the minimum rate. All applications are subject to the lender's assessment and credit criteria.
Estimate
What would the repayments be?
- Total repayable
- $0
- Total interest
- $0
- Establishment fee
- $250
Estimate only. This is not a quote or an offer of credit. Figures include the $250 establishment fee and assume principal-and-interest repayments at the rate selected. Your actual rate is determined on assessment.
Common questions
Before you enquire
How much can I borrow?
That depends on your income, existing commitments and credit profile. Our starting point is $10,000; the upper end of the panel is around $100,000 unsecured, higher with security.
Secured or unsecured — which should I choose?
Secured loans are backed by an asset such as a vehicle and generally price lower, but the lender can recover the asset if you default. Unsecured loans carry no such claim and price higher. We'll set out both.
What term can I take?
Terms across our panel generally run from one to seven years. Shorter terms cost less overall; longer terms lower the repayment.
Can I repay early?
Most panel lenders allow additional repayments. Whether an early repayment cost applies depends on the specific product, and it will be disclosed to you in writing before you sign anything.
Get a straight answer
Tell us the position and we'll come back with what the panel can realistically do — including if the answer is no.
Start an enquiry