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🏛️

Best of Big 4

The lowest rates from CommBank, Westpac, ANZ, and NAB.

#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
#6
🏦
Unsecured Fixed Rate Personal Loan
Commonwealth Bank
8.30%7.25% adv
+

Rate Details

Advertised rate7.25%
Comparison rate8.30%
Loan typeUnsecured · Fixed
Term1-7yr
Amount$4,000 – $50,000

Fees

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

Features

✅Extra repayments
✅Early payout allowed
—Redraw facility
✅Flexible repayment frequency
#7
🏪
NAB Personal Loan
NAB
8.41%7.50% adv
+

Rate Details

Advertised rate7.50%
Comparison rate8.41%
Loan typeUnsecured · Fixed
Term1-7yr
Amount$5,000 – $55,000

Fees

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

Features

✅Extra repayments
✅Early payout allowed
✅Redraw facility
—Flexible repayment frequency
#8
🏢
Unsecured Personal Loan
Westpac
8.69%7.29% adv
+

Rate Details

Advertised rate7.29%
Comparison rate8.69%
Loan typeUnsecured · Fixed
Term1-7yr
Amount$4,000 – $70,000

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
#9
🏦
Unsecured Variable Rate Personal Loan
Commonwealth Bank
8.79%7.75% adv
+

Rate Details

Advertised rate7.75%
Comparison rate8.79%
Loan typeUnsecured · Variable
Term—
Amount$4,000 – $50,000

Fees

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

Features

✅Extra repayments
✅Early payout allowed
✅Redraw facility
✅Flexible repayment frequency
#10
🏢
Flexi Loan
Westpac
18.99%
+

Rate Details

Advertised rate18.99%
Loan typeUnsecured · Variable
Term—
Amount$4,000 – $50,000

Fees

Application fee$150
Monthly fee$12/mo
Annual feeFree
Early repayment feeFree

Features

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

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

As of 16 September 2026, the lowest Big 4 personal loan comparison rate tracked by BankMate is 7.16% from Westpac (Car Loan). How we rank →