All leaderboards
LEADERBOARD
🔒
Lowest Fixed Rate
Fixed-rate personal loans ranked by the lowest comparison rate.
#1
#1
🏦
Green Loan Secured
Credit Union SA
5.64%
Details
🏦
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
#2
🚀
Move Car Loan
MOVE Bank
5.99%
Details
🚀
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
#3
🏦
Fixed Car Loan
Bank Australia
6.29%
Details
🏦
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
#4
🏦
Green Car Loan
People's Choice and Heritage
6.34%
5.99% adv
Details
🏦
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
#5
🏦
Fixed Rate Car Loan
Firefighters Mutual Bank
6.40%
6.19% adv
Details
🏦
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
#6
#6
🏦
Fixed Rate Car Loan
Teachers Mutual Bank
6.40%
6.19% adv
Details
🏦
Fixed Rate Car Loan
Teachers 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
#7
#7
🏦
Fixed Rate Car Loan
Health Professionals Bank
6.40%
6.19% adv
Details
🏦
Fixed Rate Car Loan
Health Professionals 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
#8
#8
🏦
Fixed Rate Car Loan
UniBank
6.40%
6.19% adv
Details
🏦
Fixed Rate Car Loan
UniBank
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
#9
#9
🏦
Green Car - New
Horizon Bank
6.46%
6.24% adv
Details
🏦
Green Car - New
Horizon Bank
6.46%6.24% adv
+
Rate Details
Advertised rate6.24%
Comparison rate6.46%
Loan typeUnsecured · Fixed
Term5yr
Amount—
Fees
Application fee$150
Monthly feeNone
Annual feeFree
Early repayment feeFree
Features
✅Extra repayments
✅Early payout allowed
✅Redraw facility
—Flexible repayment frequency
#10
#10
🏦
Green Loan
Northern Inland Credit Union Limited
6.49%
Details
🏦
Green Loan
Northern Inland Credit Union Limited
6.49%
+
Rate Details
Advertised rate6.49%
Comparison rate6.49%
Loan typeUnsecured · Fixed
Term1yr
Amount$5,000 – $25,000
Fees
Application feeFree
Monthly feeNone
Annual feeFree
Early repayment feeFree
Features
✅Extra repayments
✅Early payout allowed
✅Redraw facility
✅Flexible repayment frequency
#11
#11
🏘️
Green Car Loan
Unity Bank
6.49%
Details
🏘️
Green Car Loan
Unity Bank
6.49%
+
Rate Details
Advertised rate6.49%
Comparison rate6.49%
Loan typeUnsecured · Fixed
Term1yr
Amount—
Fees
Application feeFree
Monthly feeNone
Annual feeFree
Early repayment feeFree
Features
✅Extra repayments
✅Early payout allowed
✅Redraw facility
✅Flexible repayment frequency
#12
#12
🏦
Green Car Loan
G&C Mutual Bank
6.49%
Details
🏦
Green Car Loan
G&C Mutual Bank
6.49%
+
Rate Details
Advertised rate6.49%
Comparison rate6.49%
Loan typeUnsecured · Fixed
Term1yr
Amount—
Fees
Application feeFree
Monthly feeNone
Annual feeFree
Early repayment feeFree
Features
✅Extra repayments
✅Early payout allowed
✅Redraw facility
✅Flexible repayment frequency
#13
#13
🏦
NEW CAR LOAN FIXED
The Mac
6.56%
6.19% adv
Details
🏦
NEW CAR LOAN FIXED
The Mac
6.56%6.19% adv
+
Rate Details
Advertised rate6.19%
Comparison rate6.56%
Loan typeUnsecured · Fixed
Term7yr
Amount—
Fees
Application feeFree
Monthly feeNone
Annual feeFree
Early repayment feeFree
Features
✅Extra repayments
✅Early payout allowed
✅Redraw facility
—Flexible repayment frequency
#14
#14
🏦
New Car Loan
IMB Bank
6.59%
6.24% adv
Details
🏦
New Car Loan
IMB Bank
6.59%6.24% adv
+
Rate Details
Advertised rate6.24%
Comparison rate6.59%
Loan typeUnsecured · Fixed
Term—
Amount$2,000 – $125,000
Fees
Application fee$250
Monthly feeNone
Annual feeFree
Early repayment feeFree
Features
✅Extra repayments
✅Early payout allowed
—Redraw facility
—Flexible repayment frequency
#15
#15
🌳
Bendigo Secured Green Personal Loan
Bendigo
6.61%
6.24% adv
Details
🌳
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
#16
#16
🏦
New Car Loan
Greater Bank Limited
6.63%
6.24% adv
Details
🏦
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
#17
#17
🏦
Secured Fixed Car Loan
Great Southern Bank
6.63%
15.00% adv
Details
🏦
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
#18
#18
🏦
Education Community online-only Special Fixed Rate Personal Loan
Credit Union SA
6.69%
Details
🏦
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
#19
#19
🏦
Discounted Personal Loan
People's Choice and Heritage
6.84%
6.49% adv
Details
🏦
Discounted Personal Loan
People's Choice and Heritage
6.84%6.49% adv
+
Rate Details
Advertised rate6.49%
Comparison rate6.84%
Loan typeUnsecured · Fixed
Term5yr
Amount—
Fees
Application fee$250
Monthly feeNone
Annual feeFree
Early repayment feeFree
Features
✅Extra repayments
✅Early payout allowed
✅Redraw facility
✅Flexible repayment frequency
#20
#20
🏦
Car Loan
People's Choice and Heritage
6.84%
6.49% adv
Details
🏦
Car Loan
People's Choice and Heritage
6.84%6.49% adv
+
Rate Details
Advertised rate6.49%
Comparison rate6.84%
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
#21
#21
💳
Secured Personal Loan & Car Loan
Newcastle Permanent Building Society
6.84%
6.49% adv
Details
💳
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
#22
#22
🏦
The Best Car Loan
Police Credit Union Ltd
6.90%
6.49% adv
Details
🏦
The Best Car Loan
Police Credit Union Ltd
6.90%6.49% adv
+
Rate Details
Advertised rate6.49%
Comparison rate6.90%
Loan typeUnsecured · Fixed
Term7yr
Amount—
Fees
Application feeFree
Monthly feeNone
Annual feeFree
Early repayment feeFree
Features
✅Extra repayments
✅Early payout allowed
✅Redraw facility
—Flexible repayment frequency
#23
#23
🏦
Fixed Personal Loan
Horizon Bank
6.96%
6.74% adv
Details
🏦
Fixed Personal Loan
Horizon Bank
6.96%6.74% adv
+
Rate Details
Advertised rate6.74%
Comparison rate6.96%
Loan typeUnsecured · Fixed
Term5yr
Amount—
Fees
Application fee$150
Monthly feeNone
Annual feeFree
Early repayment feeFree
Features
✅Extra repayments
✅Early payout allowed
✅Redraw facility
—Flexible repayment frequency
#24
#24
🏦
Education Community Special Fixed Rate Personal Loan
Credit Union SA
6.99%
Details
🏦
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
#25
#25
💳
ING Personal Loan
ING
7.03%
6.19% adv
Details
💳
ING Personal Loan
ING
7.03%6.19% adv
+
Rate Details
Advertised rate6.19%
Comparison rate7.03%
Loan typeUnsecured · Fixed
Term7yr
Amount$5,000 – $60,000
Fees
Application feeFree
Monthly fee$8/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 fixed-rate personal loan comparison rate tracked by BankMate is 5.64% from Credit Union SA (Green Loan Secured). How we rank →