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💸

No Ongoing Fees

Personal loans with no application, monthly, or annual 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
#6
🏦
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
#7
🏘️
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
#8
🏦
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
#9
🏦
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
#10
🏦
Electric Vehicle Loan
Woolworths Team Bank
6.63%6.19% adv
+

Rate Details

Advertised rate6.19%
Comparison rate6.63%
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
#11
🏦
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
#12
🏦
Personal Loan-Green Reno
Queensland Country Bank
6.74%
+

Rate Details

Advertised rate6.74%
Comparison rate6.74%
Loan typeUnsecured · Variable
Term—
Amount$3,000 – $60,000

Fees

Application feeFree
Monthly feeNone
Annual feeFree
Early repayment feeFree

Features

✅Extra repayments
✅Early payout allowed
✅Redraw facility
—Flexible repayment frequency
#13
🏦
Personal Saving Freeze
Horizon Bank
6.75%6.54% adv
+

Rate Details

Advertised rate6.54%
Comparison rate6.75%
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
#14
🏦
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
#15
🏦
New Car Loan
Woolworths Team Bank
6.93%6.49% adv
+

Rate Details

Advertised rate6.49%
Comparison rate6.93%
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
#16
🏦
Solar Eco Loan - Variable
Police Credit Union Ltd
6.98%
+

Rate Details

Advertised rate6.98%
Comparison rate6.98%
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
#17
🏦
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
#18
🏦
Accelerator Car Loan
Regional Australia Bank
7.05%6.74% adv
+

Rate Details

Advertised rate6.74%
Comparison rate7.05%
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
#19
🏦
Low Rate Car Loan Special Offer - Variable
Police Credit Union Ltd
7.39%6.98% adv
+

Rate Details

Advertised rate6.98%
Comparison rate7.39%
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
#20
🏦
Better Car Loan
Police Credit Union Ltd
7.40%6.99% adv
+

Rate Details

Advertised rate6.99%
Comparison rate7.40%
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
#21
🏦
GREENROAD
TMCU
7.45%6.89% adv
+

Rate Details

Advertised rate6.89%
Comparison rate7.45%
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
#22
🏦
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
#23
🏦
Fixed Rate Personal Loan
Police Credit Union Ltd
7.65%7.24% adv
+

Rate Details

Advertised rate7.24%
Comparison rate7.65%
Loan typeUnsecured · Fixed
Term5yr
Amount—

Fees

Application feeFree
Monthly feeNone
Annual feeFree
Early repayment feeFree

Features

✅Extra repayments
✅Early payout allowed
✅Redraw facility
—Flexible repayment frequency
#24
🏦
Fixed Car Loan
Police Credit Union Ltd
7.65%7.24% adv
+

Rate Details

Advertised rate7.24%
Comparison rate7.65%
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
#25
🏦
FASTROAD NEW CAR LOAN
TMCU
7.70%7.39% adv
+

Rate Details

Advertised rate7.39%
Comparison rate7.70%
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

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 comparison rate on a personal loan with no application, monthly or annual fees tracked by BankMate is 5.55% from Unity Bank (Green Upgrades Loan (with mortgage)). How we rank →