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LEADERBOARD

The personal loan leaderboard

Top-ranked personal loans across every category — lowest rates, fee-free lenders, and best of the big four.

🔥

Lowest Rate Overall

#1
🏘️
Green Upgrades Loan (with mortgage)
Unity Bank
5.55%
+

Rate Details

Advertised rate5.55%
Comparison rate5.55%
Loan typeUnsecured · Variable
Term—
Amount—

Fees

Application feeFree
Monthly feeNone
Annual feeFree
Early repayment feeFree

Features

✅Extra repayments
✅Early payout allowed
✅Redraw facility
✅Flexible repayment frequency
#2
🏦
Green Upgrades Loan (with mortgage)
G&C Mutual Bank
5.55%
+

Rate Details

Advertised rate5.55%
Comparison rate5.55%
Loan typeUnsecured · Variable
Term—
Amount—

Fees

Application feeFree
Monthly feeNone
Annual feeFree
Early repayment feeFree

Features

✅Extra repayments
✅Early payout allowed
✅Redraw facility
✅Flexible repayment frequency
#3
🏦
Green Car Loan
bankWAW
5.57%5.54% adv
+

Rate Details

Advertised rate5.54%
Comparison rate5.57%
Loan typeUnsecured · Variable
Term—
Amount—

Fees

Application fee$150
Monthly feeNone
Annual feeFree
Early repayment feeFree

Features

✅Extra repayments
✅Early payout allowed
—Redraw facility
—Flexible repayment frequency
#4
🏦
Green Loan Secured
Credit Union SA
5.64%
+

Rate Details

Advertised rate5.64%
Comparison rate5.64%
Loan typeSecured · Fixed
Term7yr
Amount$5,000 – $100,000

Fees

Application fee$250
Monthly feeNone
Annual feeFree
Early repayment feeFree

Features

✅Extra repayments
✅Early payout allowed
✅Redraw facility
—Flexible repayment frequency
#5
🚀
Move Car Loan
MOVE Bank
5.99%
+

Rate Details

Advertised rate5.99%
Loan typeUnsecured · Fixed
Term7yr
Amount$10,000 – $7

Fees

Application feeFree
Monthly feeNone
Annual feeFree
Early repayment feeFree

Features

✅Extra repayments
✅Early payout allowed
✅Redraw facility
—Flexible repayment frequency
Show More
📉

Lowest Variable Rate

#1
🏘️
Green Upgrades Loan (with mortgage)
Unity Bank
5.55%
+

Rate Details

Advertised rate5.55%
Comparison rate5.55%
Loan typeUnsecured · Variable
Term—
Amount—

Fees

Application feeFree
Monthly feeNone
Annual feeFree
Early repayment feeFree

Features

✅Extra repayments
✅Early payout allowed
✅Redraw facility
✅Flexible repayment frequency
#2
🏦
Green Upgrades Loan (with mortgage)
G&C Mutual Bank
5.55%
+

Rate Details

Advertised rate5.55%
Comparison rate5.55%
Loan typeUnsecured · Variable
Term—
Amount—

Fees

Application feeFree
Monthly feeNone
Annual feeFree
Early repayment feeFree

Features

✅Extra repayments
✅Early payout allowed
✅Redraw facility
✅Flexible repayment frequency
#3
🏦
Green Car Loan
bankWAW
5.57%5.54% adv
+

Rate Details

Advertised rate5.54%
Comparison rate5.57%
Loan typeUnsecured · Variable
Term—
Amount—

Fees

Application fee$150
Monthly feeNone
Annual feeFree
Early repayment feeFree

Features

✅Extra repayments
✅Early payout allowed
—Redraw facility
—Flexible repayment frequency
#4
🏦
Green Upgrades Loan
G&C Mutual Bank
6.05%
+

Rate Details

Advertised rate6.05%
Comparison rate6.05%
Loan typeUnsecured · Variable
Term—
Amount—

Fees

Application feeFree
Monthly feeNone
Annual feeFree
Early repayment feeFree

Features

✅Extra repayments
✅Early payout allowed
✅Redraw facility
✅Flexible repayment frequency
#5
🏘️
Green Upgrades Loan
Unity Bank
6.05%
+

Rate Details

Advertised rate6.05%
Comparison rate6.05%
Loan typeUnsecured · Variable
Term—
Amount—

Fees

Application feeFree
Monthly feeNone
Annual feeFree
Early repayment feeFree

Features

✅Extra repayments
✅Early payout allowed
✅Redraw facility
✅Flexible repayment frequency
Show More
🔒

Lowest Fixed Rate

#1
🏦
Green Loan Secured
Credit Union SA
5.64%
+

Rate Details

Advertised rate5.64%
Comparison rate5.64%
Loan typeSecured · Fixed
Term7yr
Amount$5,000 – $100,000

Fees

Application fee$250
Monthly feeNone
Annual feeFree
Early repayment feeFree

Features

✅Extra repayments
✅Early payout allowed
✅Redraw facility
—Flexible repayment frequency
#2
🚀
Move Car Loan
MOVE Bank
5.99%
+

Rate Details

Advertised rate5.99%
Loan typeUnsecured · Fixed
Term7yr
Amount$10,000 – $7

Fees

Application feeFree
Monthly feeNone
Annual feeFree
Early repayment feeFree

Features

✅Extra repayments
✅Early payout allowed
✅Redraw facility
—Flexible repayment frequency
#3
🏦
Fixed Car Loan
Bank Australia
6.29%
+

Rate Details

Advertised rate6.29%
Comparison rate6.29%
Loan typeUnsecured · Fixed
Term7yr
Amount—

Fees

Application fee$150
Monthly feeNone
Annual feeFree
Early repayment feeFree

Features

✅Extra repayments
✅Early payout allowed
✅Redraw facility
✅Flexible repayment frequency
#4
🏦
Green Car Loan
People's Choice and Heritage
6.34%5.99% adv
+

Rate Details

Advertised rate5.99%
Comparison rate6.34%
Loan typeUnsecured · Fixed
Term1yr
Amount$20,000 – $100,000

Fees

Application fee$250
Monthly feeNone
Annual feeFree
Early repayment feeFree

Features

✅Extra repayments
✅Early payout allowed
✅Redraw facility
✅Flexible repayment frequency
#5
🏦
Fixed Rate Car Loan
Firefighters Mutual Bank
6.40%6.19% adv
+

Rate Details

Advertised rate6.19%
Comparison rate6.40%
Loan typeUnsecured · Fixed
Term3-6yr
Amount$10,000 – $80,000

Fees

Application fee$150
Monthly feeNone
Annual feeFree
Early repayment feeFree

Features

✅Extra repayments
✅Early payout allowed
—Redraw facility
✅Flexible repayment frequency
Show More
🔐

Best Secured Loan

#1
🏦
Green Loan Secured
Credit Union SA
5.64%
+

Rate Details

Advertised rate5.64%
Comparison rate5.64%
Loan typeSecured · Fixed
Term7yr
Amount$5,000 – $100,000

Fees

Application fee$250
Monthly feeNone
Annual feeFree
Early repayment feeFree

Features

✅Extra repayments
✅Early payout allowed
✅Redraw facility
—Flexible repayment frequency
#2
🏦
RESIDENTIALLY SECURED PERSONAL LOAN
Bank of us
6.57%6.29% adv
+

Rate Details

Advertised rate6.29%
Comparison rate6.57%
Loan typeSecured · Variable
Term—
Amount$3,000 – $100,000

Fees

Application fee$200
Monthly feeNone
Annual feeFree
Early repayment feeFree

Features

✅Extra repayments
✅Early payout allowed
✅Redraw facility
—Flexible repayment frequency
#3
🌳
Bendigo Secured Green Personal Loan
Bendigo
6.61%6.24% adv
+

Rate Details

Advertised rate6.24%
Comparison rate6.61%
Loan typeSecured · Fixed
Term7yr
Amount—

Fees

Application fee$150
Monthly feeNone
Annual feeFree
Early repayment fee$20

Features

✅Extra repayments
✅Early payout allowed
✅Redraw facility
✅Flexible repayment frequency
#4
🏦
New Car Loan
Greater Bank Limited
6.63%6.24% adv
+

Rate Details

Advertised rate6.24%
Comparison rate6.63%
Loan typeSecured · Fixed
Term7yr
Amount$5,000 – $100,000

Fees

Application fee$275
Monthly feeNone
Annual feeFree
Early repayment feeFree

Features

✅Extra repayments
✅Early payout allowed
✅Redraw facility
—Flexible repayment frequency
#5
🏦
Secured Fixed Car Loan
Great Southern Bank
6.63%15.00% adv
+

Rate Details

Advertised rate15.00%
Comparison rate6.63%
Loan typeSecured · Fixed
Term1-7yr
Amount$5,000 – $100,000

Fees

Application fee$225
Monthly feeNone
Annual feeFree
Early repayment feeFree

Features

✅Extra repayments
✅Early payout allowed
✅Redraw facility
✅Flexible repayment frequency
Show More
💸

No Ongoing Fees

#1
🏘️
Green Upgrades Loan (with mortgage)
Unity Bank
5.55%
+

Rate Details

Advertised rate5.55%
Comparison rate5.55%
Loan typeUnsecured · Variable
Term—
Amount—

Fees

Application feeFree
Monthly feeNone
Annual feeFree
Early repayment feeFree

Features

✅Extra repayments
✅Early payout allowed
✅Redraw facility
✅Flexible repayment frequency
#2
🏦
Green Upgrades Loan (with mortgage)
G&C Mutual Bank
5.55%
+

Rate Details

Advertised rate5.55%
Comparison rate5.55%
Loan typeUnsecured · Variable
Term—
Amount—

Fees

Application feeFree
Monthly feeNone
Annual feeFree
Early repayment feeFree

Features

✅Extra repayments
✅Early payout allowed
✅Redraw facility
✅Flexible repayment frequency
#3
🚀
Move Car Loan
MOVE Bank
5.99%
+

Rate Details

Advertised rate5.99%
Loan typeUnsecured · Fixed
Term7yr
Amount$10,000 – $7

Fees

Application feeFree
Monthly feeNone
Annual feeFree
Early repayment feeFree

Features

✅Extra repayments
✅Early payout allowed
✅Redraw facility
—Flexible repayment frequency
#4
🏦
Green Upgrades Loan
G&C Mutual Bank
6.05%
+

Rate Details

Advertised rate6.05%
Comparison rate6.05%
Loan typeUnsecured · Variable
Term—
Amount—

Fees

Application feeFree
Monthly feeNone
Annual feeFree
Early repayment feeFree

Features

✅Extra repayments
✅Early payout allowed
✅Redraw facility
✅Flexible repayment frequency
#5
🏘️
Green Upgrades Loan
Unity Bank
6.05%
+

Rate Details

Advertised rate6.05%
Comparison rate6.05%
Loan typeUnsecured · Variable
Term—
Amount—

Fees

Application feeFree
Monthly feeNone
Annual feeFree
Early repayment feeFree

Features

✅Extra repayments
✅Early payout allowed
✅Redraw facility
✅Flexible repayment frequency
Show More
🏛️

Best of Big 4

#1
🏢
Car Loan
Westpac
7.16%5.74% adv
+

Rate Details

Advertised rate5.74%
Comparison rate7.16%
Loan typeUnsecured · Fixed
Term1-7yr
Amount$10,000 – $130,000

Fees

Application fee$250
Monthly fee$15/mo
Annual feeFree
Early repayment fee$175

Features

✅Extra repayments
✅Early payout allowed
—Redraw facility
✅Flexible repayment frequency
#2
🏪
NAB Car Loan
NAB
7.55%5.99% adv
+

Rate Details

Advertised rate5.99%
Comparison rate7.55%
Loan typeUnsecured · Fixed
Term7yr
Amount$10,000 – $100,000

Fees

Application fee$350
Monthly fee$15/mo
Annual feeFree
Early repayment feeFree

Features

✅Extra repayments
✅Early payout allowed
—Redraw facility
—Flexible repayment frequency
#3
🏛️
ANZ Fixed Rate Personal Loan
ANZ
8.18%7.49% adv
+

Rate Details

Advertised rate7.49%
Comparison rate8.18%
Loan typeUnsecured · Fixed
Term7yr
Amount$5,000 – $75,000

Fees

Application feeFree
Monthly fee$10/mo
Annual feeFree
Early repayment feeFree

Features

✅Extra repayments
✅Early payout allowed
—Redraw facility
—Flexible repayment frequency
#4
🏛️
ANZ Variable Rate Personal Loan
ANZ
8.18%7.49% adv
+

Rate Details

Advertised rate7.49%
Comparison rate8.18%
Loan typeUnsecured · Variable
Term—
Amount$5,000 – $75,000

Fees

Application feeFree
Monthly fee$10/mo
Annual feeFree
Early repayment feeFree

Features

✅Extra repayments
✅Early payout allowed
✅Redraw facility
—Flexible repayment frequency
#5
🏦
Secured Fixed Rate Car Loan
Commonwealth Bank
8.20%6.79% adv
+

Rate Details

Advertised rate6.79%
Comparison rate8.20%
Loan typeSecured · Fixed
Term1-7yr
Amount$4,000 – $120,000

Fees

Application fee$250
Monthly fee$15/mo
Annual feeFree
Early repayment fee$15

Features

✅Extra repayments
✅Early payout allowed
—Redraw facility
✅Flexible repayment frequency
Show More

These rankings rate every personal loans on one figure. Answer a few questions to see the ones that fit you →

As of 9 September 2026, the lowest personal loan comparison rate tracked by BankMate is 5.55% from Unity Bank (Green Upgrades Loan (with mortgage)). How we rank →