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Best Secured Loan

Secured personal loans (typically backed by a car) with the lowest rates.

#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
🏦
Personal Loan-Secured New Car
Queensland Country Bank
6.63%5.99% adv
+

Rate Details

Advertised rate5.99%
Comparison rate6.63%
Loan typeSecured · Variable
Term—
Amount—

Fees

Application fee$150
Monthly fee$5/mo
Annual feeFree
Early repayment feeFree

Features

✅Extra repayments
✅Early payout allowed
✅Redraw facility
—Flexible repayment frequency
#5
🏦
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
#6
🏦
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
#7
🏦
Education Community online-only Special Fixed Rate Personal Loan
Credit Union SA
6.69%
+

Rate Details

Advertised rate6.69%
Comparison rate6.69%
Loan typeSecured · Fixed
Term7yr
Amount$15,000 – $100,000

Fees

Application feeFree
Monthly feeNone
Annual feeFree
Early repayment feeFree

Features

✅Extra repayments
✅Early payout allowed
✅Redraw facility
—Flexible repayment frequency
#8
💳
Secured Personal Loan & Car Loan
Newcastle Permanent Building Society
6.84%6.49% adv
+

Rate Details

Advertised rate6.49%
Comparison rate6.84%
Loan typeSecured · Fixed
Term1-7yr
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
#9
🏦
Education Community Special Fixed Rate Personal Loan
Credit Union SA
6.99%
+

Rate Details

Advertised rate6.99%
Comparison rate6.99%
Loan typeSecured · Fixed
Term7yr
Amount$15,000 – $100,000

Fees

Application feeFree
Monthly feeNone
Annual feeFree
Early repayment feeFree

Features

✅Extra repayments
✅Early payout allowed
✅Redraw facility
—Flexible repayment frequency
#10
🏦
Secured Personal Loan
Greater Bank Limited
7.17%6.78% adv
+

Rate Details

Advertised rate6.78%
Comparison rate7.17%
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
#11
🏦
CAR LOAN
Auswide Bank Ltd
7.19%6.48% adv
+

Rate Details

Advertised rate6.48%
Comparison rate7.19%
Loan typeSecured · Fixed
Term5yr
Amount$5,000 – $150,000

Fees

Application fee$250
Monthly fee$5/mo
Annual feeFree
Early repayment feeFree

Features

✅Extra repayments
✅Early payout allowed
✅Redraw facility
—Flexible repayment frequency
#12
🏦
Personal Loan Secured
bankWAW
7.37%7.34% adv
+

Rate Details

Advertised rate7.34%
Comparison rate7.37%
Loan typeSecured · 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
#13
🏦
Green Car Loan
RACQ Bank
7.49%
+

Rate Details

Advertised rate7.49%
Comparison rate7.49%
Loan typeSecured · Fixed
Term5yr
Amount$3,000 – $150,000

Fees

Application feeFree
Monthly feeNone
Annual feeFree
Early repayment feeFree

Features

✅Extra repayments
✅Early payout allowed
—Redraw facility
—Flexible repayment frequency
#14
🏦
Car & Motor Vehicle Loans
The Capricornian
7.53%7.18% adv
+

Rate Details

Advertised rate7.18%
Comparison rate7.53%
Loan typeSecured · Variable
Term—
Amount—

Fees

Application fee$250
Monthly feeNone
Annual feeFree
Early repayment feeFree

Features

✅Extra repayments
✅Early payout allowed
✅Redraw facility
—Flexible repayment frequency
#15
🏦
Secured Personal Loan
IMB Bank
7.59%7.24% adv
+

Rate Details

Advertised rate7.24%
Comparison rate7.59%
Loan typeSecured · Fixed
Term—
Amount$2,000 – $75,000

Fees

Application fee$250
Monthly feeNone
Annual feeFree
Early repayment feeFree

Features

✅Extra repayments
✅Early payout allowed
—Redraw facility
—Flexible repayment frequency
#16
🏦
Car Loan - Fixed
CommFCU
7.84%6.79% adv
+

Rate Details

Advertised rate6.79%
Comparison rate7.84%
Loan typeSecured · Fixed
Term—
Amount—

Fees

Application fee$249
Monthly fee$10/mo
Annual feeFree
Early repayment feeFree

Features

✅Extra repayments
✅Early payout allowed
✅Redraw facility
—Flexible repayment frequency
#17
🏦
Car Loan - Variable
CommFCU
7.84%6.79% adv
+

Rate Details

Advertised rate6.79%
Comparison rate7.84%
Loan typeSecured · Variable
Term—
Amount—

Fees

Application fee$249
Monthly fee$10/mo
Annual feeFree
Early repayment feeFree

Features

✅Extra repayments
✅Early payout allowed
✅Redraw facility
—Flexible repayment frequency
#18
🏦
Secured Fixed Personal Loan
St.George Bank
7.90%6.49% adv
+

Rate Details

Advertised rate6.49%
Comparison rate7.90%
Loan typeSecured · Fixed
Term1-7yr
Amount$10,000 – $130,000

Fees

Application fee$250
Monthly fee$15/mo
Annual feeFree
Early repayment fee$150

Features

✅Extra repayments
✅Early payout allowed
—Redraw facility
✅Flexible repayment frequency
#19
🏦
Secured Fixed Personal Loan
Bank of Melbourne
7.90%6.49% adv
+

Rate Details

Advertised rate6.49%
Comparison rate7.90%
Loan typeSecured · Fixed
Term1-7yr
Amount$10,000 – $130,000

Fees

Application fee$250
Monthly fee$15/mo
Annual feeFree
Early repayment fee$150

Features

✅Extra repayments
✅Early payout allowed
—Redraw facility
✅Flexible repayment frequency
#20
🏦
Secured Fixed Personal Loan
BankSA
7.90%6.49% adv
+

Rate Details

Advertised rate6.49%
Comparison rate7.90%
Loan typeSecured · Fixed
Term1-7yr
Amount$10,000 – $130,000

Fees

Application fee$250
Monthly fee$15/mo
Annual feeFree
Early repayment fee$150

Features

✅Extra repayments
✅Early payout allowed
—Redraw facility
✅Flexible repayment frequency
#21
🏦
Secured Fixed Rate Personal Loan
Alex.Bank
7.90%7.49% adv
+

Rate Details

Advertised rate7.49%
Comparison rate7.90%
Loan typeSecured · Fixed
Term7yr
Amount$10,000 – $100,000

Fees

Application fee$295
Monthly feeNone
Annual feeFree
Early repayment feeFree

Features

✅Extra repayments
✅Early payout allowed
—Redraw facility
✅Flexible repayment frequency
#22
🏦
FTD Secured Personal Loan
Coastline Bank
7.93%7.50% adv
+

Rate Details

Advertised rate7.50%
Comparison rate7.93%
Loan typeSecured · Variable
Term—
Amount—

Fees

Application fee$300
Monthly feeNone
Annual feeFree
Early repayment feeFree

Features

✅Extra repayments
✅Early payout allowed
✅Redraw facility
—Flexible repayment frequency
#23
🏦
Personal Loan - Secured
gmcu
8.04%7.79% adv
+

Rate Details

Advertised rate7.79%
Comparison rate8.04%
Loan typeSecured · Fixed
Term—
Amount—

Fees

Application fee$150
Monthly feeNone
Annual feeFree
Early repayment feeFree

Features

✅Extra repayments
✅Early payout allowed
✅Redraw facility
—Flexible repayment frequency
#24
🏦
Online-only Special Fixed Rate Personal Loan
Credit Union SA
8.18%7.69% adv
+

Rate Details

Advertised rate7.69%
Comparison rate8.18%
Loan typeSecured · Fixed
Term7yr
Amount$15,000 – $100,000

Fees

Application fee$350
Monthly feeNone
Annual feeFree
Early repayment feeFree

Features

✅Extra repayments
✅Early payout allowed
✅Redraw facility
—Flexible repayment frequency
#25
🏦
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

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 secured personal loan comparison rate tracked by BankMate is 5.64% from Credit Union SA (Green Loan Secured). How we rank →