Personal loan reportLive · as of 1 NovemberNovember 2026
The lowest unsecured rate is 5.95% and the average 10.64%. No lender moved a rate.
Lowest rates
As of 1 November 2026- 4Australian Mutual Bank LTD Fixed Rate Car Loan$150 to apply$150 to apply6.40%Go to site
- 5=Liberty Unsecured personal loan6.89%Go to site
- 5=MoneyPlace Unsecured personal loan6.89%Go to site
- 7MoneyMe MoneyMe Personal Loan$10 a month$10 a month6.95%Go to site
- 8Revolut Revolut Personal LoanNo comparison rateNo comparison rate6.99%Go to site
- 9ING ING Personal Loan$199 to apply · $8 a month$199 to apply · $8 a month7.03%Go to site
- 10Bank First New Car Loan Personal Lending 1-5 Years Fixed Unsecured$195 to apply$195 to apply7.06%Go to site
Ranked by comparison rate, which counts the fees on $30,000 over five years. Each is the lowest rate in the lender's range; what you're offered depends on your credit.
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.
Average rates
182 loans · 68 lendersChanges in November
Since 1 NovemberNo lender changed a rate or fee in November.
- Data
- Each lender's Consumer Data Right (open banking) product feed, read nightly. A reading is recorded when a loan's comparison rate, advertised rate or fees differ from the last one stored.
- Like for like
- Changes and places compare loans tracked on both dates. Our own corrections are taken back to the start and never counted as a lender's move.
- Scope
- Personal and car loans a member of the public can apply for directly, as listed on BankMate. Factual comparison, not financial advice. Methodology · Today's full ranking
As of 1 November 2026, the lowest unsecured personal loan comparison rate tracked by BankMate was 5.95% from NOW Finance (Unsecured Personal Loan). The average across 84 unsecured loans was 10.64% (median 10.29%). The lowest secured rate was 5.79% from SWSbank, with secured loans averaging 8.45%. These are the lowest rates in each lender's published range, offered to the strongest applicants. No rate or fee changes were recorded during November 2026.