Compare personal loan options with decision-quality tools
Start with the Repayment Calculator to model your loan payments. Compare Fixed vs Variable rates to choose the right structure for your situation.
Calculate your personal loan repayments by frequency with extra payment modelling.
Estimate how much you can borrow based on your monthly budget.
See how extra payments can reduce your interest and shorten your loan term.
Compare fixed and variable interest rates to find the cheaper option.
A secured loan requires collateral (like a car or savings), offering lower interest rates. An unsecured loan has no collateral requirement but typically charges higher rates because of the increased risk to the lender.
Fixed rates give you predictable repayments — ideal if you want certainty. Variable rates may start lower but can change. Use our Fixed vs Variable calculator to compare the total cost under different scenarios.
Most Australian lenders offer personal loans from $2,000 to $50,000. Your borrowing limit depends on your income, expenses, credit score, and existing debts. Use our Borrowing Power calculator to estimate your range.
