LEADERBOARD
The personal loan leaderboard
Top-ranked personal loans across every category — lowest rates, fee-free lenders, and best of the big four.
🔥
Lowest Rate Overall
#1
#1
🏘️
Green Upgrades Loan (with mortgage)
Unity Bank
5.55%
Details
🏘️
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
#2
🏦
Green Upgrades Loan (with mortgage)
G&C Mutual Bank
5.55%
Details
🏦
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
#3
🏦
Green Car Loan
bankWAW
5.57%
5.54% adv
Details
🏦
Green Car Loan
bankWAW
5.57%5.54% adv
+
Rate Details
Advertised rate5.54%
Comparison rate5.57%
Loan typeUnsecured · 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
#4
#4
🏦
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
#5
#5
🚀
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$1 – $150,000
Fees
Application feeFree
Monthly feeNone
Annual feeFree
Early repayment feeFree
Features
✅Extra repayments
✅Early payout allowed
✅Redraw facility
—Flexible repayment frequency
Show More
📉
Lowest Variable Rate
#1
#1
🏘️
Green Upgrades Loan (with mortgage)
Unity Bank
5.55%
Details
🏘️
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
#2
🏦
Green Upgrades Loan (with mortgage)
G&C Mutual Bank
5.55%
Details
🏦
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
#3
🏦
Green Car Loan
bankWAW
5.57%
5.54% adv
Details
🏦
Green Car Loan
bankWAW
5.57%5.54% adv
+
Rate Details
Advertised rate5.54%
Comparison rate5.57%
Loan typeUnsecured · 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
#4
#4
🏦
Green Upgrades Loan
G&C Mutual Bank
6.05%
Details
🏦
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
#5
🏘️
Green Upgrades Loan
Unity Bank
6.05%
Details
🏘️
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
Show More
🔒
Lowest Fixed 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$1 – $150,000
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
Show More
🔐
Best Secured Loan
#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
🏦
RESIDENTIALLY SECURED PERSONAL LOAN
Bank of us
6.57%
6.29% adv
Details
🏦
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
#3
🌳
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
#4
#4
🏦
Personal Loan-Secured New Car
Queensland Country Bank
6.63%
5.99% adv
Details
🏦
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
#5
🏦
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
Show More
💸
No Ongoing Fees
#1
#1
🏘️
Green Upgrades Loan (with mortgage)
Unity Bank
5.55%
Details
🏘️
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
#2
🏦
Green Upgrades Loan (with mortgage)
G&C Mutual Bank
5.55%
Details
🏦
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
#3
🚀
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$1 – $150,000
Fees
Application feeFree
Monthly feeNone
Annual feeFree
Early repayment feeFree
Features
✅Extra repayments
✅Early payout allowed
✅Redraw facility
—Flexible repayment frequency
#4
#4
🏦
Green Upgrades Loan
G&C Mutual Bank
6.05%
Details
🏦
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
#5
🏘️
Green Upgrades Loan
Unity Bank
6.05%
Details
🏘️
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
Show More
🏛️
Best of Big 4
#1
#1
🏢
Car Loan
Westpac
7.16%
5.74% adv
Details
🏢
Car Loan
Westpac
7.16%5.74% adv
+
Rate Details
Advertised rate5.74%
Comparison rate7.16%
Loan typeUnsecured · Fixed
Term1-7yr
Amount$10,000 – $130,000
Fees
Application fee$250
Monthly fee$15/mo
Annual feeFree
Early repayment fee$175
Features
✅Extra repayments
✅Early payout allowed
—Redraw facility
✅Flexible repayment frequency
#2
#2
🏪
NAB Car Loan
NAB
7.55%
5.99% adv
Details
🏪
NAB Car Loan
NAB
7.55%5.99% adv
+
Rate Details
Advertised rate5.99%
Comparison rate7.55%
Loan typeUnsecured · Fixed
Term7yr
Amount$10,000 – $100,000
Fees
Application fee$350
Monthly fee$15/mo
Annual feeFree
Early repayment feeFree
Features
✅Extra repayments
✅Early payout allowed
—Redraw facility
—Flexible repayment frequency
#3
#3
🏛️
ANZ Fixed Rate Personal Loan
ANZ
8.18%
7.49% adv
Details
🏛️
ANZ Fixed Rate Personal Loan
ANZ
8.18%7.49% adv
+
Rate Details
Advertised rate7.49%
Comparison rate8.18%
Loan typeUnsecured · Fixed
Term7yr
Amount$5,000 – $75,000
Fees
Application feeFree
Monthly fee$10/mo
Annual feeFree
Early repayment feeFree
Features
✅Extra repayments
✅Early payout allowed
—Redraw facility
—Flexible repayment frequency
#4
#4
🏛️
ANZ Variable Rate Personal Loan
ANZ
8.18%
7.49% adv
Details
🏛️
ANZ Variable Rate Personal Loan
ANZ
8.18%7.49% adv
+
Rate Details
Advertised rate7.49%
Comparison rate8.18%
Loan typeUnsecured · Variable
Term—
Amount$5,000 – $75,000
Fees
Application feeFree
Monthly fee$10/mo
Annual feeFree
Early repayment feeFree
Features
✅Extra repayments
✅Early payout allowed
✅Redraw facility
—Flexible repayment frequency
#5
#5
🏦
Secured Fixed Rate Car Loan
Commonwealth Bank
8.20%
6.79% adv
Details
🏦
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
Show More
These rankings rate every personal loans on one figure. Answer a few questions to see the ones that fit you →
As of 17 September 2026, the lowest personal loan comparison rate tracked by BankMate is 5.55% from Unity Bank (Green Upgrades Loan (with mortgage)). How we rank →