The lowest personal loan rates with no upfront or ongoing fees.
- First5.79%comparison rate5 Year Variable Interest Vehicle LoanSWSbankSecured · Variable rate · 5.79% advertised · No fees · $1k–$200k · Up to 5 yearsGo to site
- Second5.95%comparison rateUnsecured Personal LoanPepper MoneyUnsecured · Fixed rate · 5.95% advertised · No fees · $5k–$50k · Up to 7 yearsGo to site
- Third5.95%comparison ratePlenti Personal LoanPlentiUnsecured · Fixed rate · 5.95% advertised · No fees · $2k–$75k · Up to 7 yearsGo to site
Ranked by comparison rate, lowest first (the advertised rate where a lender publishes no comparison rate). Leaves out any loan with an application, monthly or annual fee. Compares 12 lenders, not the whole market.
Comparison rates are based on a loan of $30,000 over 5 years, secured or unsecured as each loan is. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
The other 20 personal loans
Ranked by comparison rate, lowest first (the advertised rate where a lender publishes no comparison rate). All 20: No fees.
| # | Personal loan | Security | Rate | Advertised | Borrow | Longest term | No fees | Links |
|---|---|---|---|---|---|---|---|---|
| 4 | | Secured | Fixed | 5.95% | $15k–$100k | 7 years | 5.95%comparison rate0.16 above first ranked | Go to site |
| 5 |  | Secured | Fixed | 5.95% | $15k–$100k | 7 years | 5.95%comparison rate0.16 above first ranked | Go to site |
| 6 | | Unsecured | Fixed | 5.95% | $5k–$50k | 7 years | 5.95%comparison rate0.16 above first ranked | Go to site |
| 7 |  | Secured | Fixed | 5.99% | $1k–$200k | 7 years | 5.99%comparison rate0.20 above first ranked | Go to site |
| 8 | | Secured | Variable | 6.00% | $1k–$200k | 7 years | 6.00%comparison rate0.21 above first ranked | Go to site |
| 9 |  | Secured | Fixed | — | $10k–$150k | 7 years | 6.09%advertised rate0.30 above first ranked | Go to site |
| 10 |  | Secured | Fixed | 6.20% | $5k–$80k | 7 years | 6.30%comparison rate0.51 above first ranked | Go to site |
| 11 |  | Secured | Fixed | 6.20% | $5k–$80k | 7 years | 6.63%comparison rate0.84 above first ranked | Go to site |
| 12 | | Unsecured | Fixed | 6.89% | $5k–$80k | 7 years | 6.89%comparison rate1.10 above first ranked | Go to site |
| 13 | | Unsecured | Fixed | 6.89% | $5k–$80k | 7 years | 6.89%comparison rate1.10 above first ranked | Go to site |
| 14 |  | Unsecured | Fixed | — | $5k–$50k | 5 years | 6.99%advertised rate1.20 above first ranked | Go to site |
| 15 |  | Secured | Variable | 7.39% | — | — | 7.70%comparison rate1.91 above first ranked | Go to site |
| 16 |  | Secured | Variable | 8.24% | — | — | 8.46%comparison rate2.67 above first ranked | Go to site |
| 17 | | Secured | Variable | 8.50% | $500–$200k | — | 8.50%comparison rate2.71 above first ranked | Go to site |
| 18 |  | Unsecured | Fixed | 8.99% | $2k–$50k | 5 years | 8.99%comparison rate3.20 above first ranked | Go to site |
| 19 |  | Secured | Fixed | 8.24% | — | 7 years | 9.15%comparison rate3.36 above first ranked | Go to site |
| 20 | | Secured | Fixed | 8.24% | — | 7 years | 9.15%comparison rate3.36 above first ranked | Go to site |
| 21 | | Unsecured | Fixed | 9.64% | — | 7 years | 10.56%comparison rate4.77 above first ranked | Go to site |
| 22 | | Unsecured | Variable | 12.95% | $500–$30k | 5 years | 12.95%comparison rate7.16 above first ranked | Go to site |
| 23 | | Unsecured | Fixed | — | $5k–$25k | 7 years | 13.74%advertised rate7.95 above first ranked | Go to site |
- 4Secured Personal LoanPepper Money5.95%comparison rate0.16 above first rankedSecured · Fixed rate · 5.95% advertised · $15k–$100k · Up to 7 years
- 5Secured Personal LoanNOW Finance5.95%comparison rate0.16 above first rankedSecured · Fixed rate · 5.95% advertised · $15k–$100k · Up to 7 years
- 6Unsecured Personal LoanNOW Finance5.95%comparison rate0.16 above first rankedUnsecured · Fixed rate · 5.95% advertised · $5k–$50k · Up to 7 years
- 7Fixed Rate Vehicle LoanSWSbank5.99%comparison rate0.20 above first rankedSecured · Fixed rate · 5.99% advertised · $1k–$200k · Up to 7 years
- 87 Year Variable Interest Vehicle LoanSWSbank6.00%comparison rate0.21 above first rankedSecured · Variable rate · 6.00% advertised · $1k–$200k · Up to 7 years
- 9Move Car LoanMoveBank6.09%advertised rate0.30 above first rankedSecured · Fixed rate · $10k–$150k · Up to 7 years
- 10Secured personal loanMoneyPlace6.30%comparison rate0.51 above first rankedSecured · Fixed rate · 6.20% advertised · $5k–$80k · Up to 7 years
- 11Secured personal loanLiberty6.63%comparison rate0.84 above first rankedSecured · Fixed rate · 6.20% advertised · $5k–$80k · Up to 7 years
- 12Unsecured personal loanLiberty6.89%comparison rate1.10 above first rankedUnsecured · Fixed rate · 6.89% advertised · $5k–$80k · Up to 7 years
- 13Unsecured personal loanMoneyPlace6.89%comparison rate1.10 above first rankedUnsecured · Fixed rate · 6.89% advertised · $5k–$80k · Up to 7 years
- 14Revolut Personal Loan6.99%advertised rate1.20 above first rankedUnsecured · Fixed rate · $5k–$50k · Up to 5 years
- 15Fastroad New Car LoanTMCU7.70%comparison rate1.91 above first rankedSecured · Variable rate · 7.39% advertised
Early-repayment and late-payment fees are not part of this test.
Comparison rates are based on a loan of $30,000 over 5 years, secured or unsecured as each loan is. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
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Ranked here on the advertised rate. The questions price each loan on your amount, term and what it’s for.
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As of 1 November 2026, the lowest comparison rate on a personal loan with no application, monthly or annual fees tracked by BankMate is 5.79% from SWSbank (5 Year Variable Interest Vehicle Loan). How we rank