All leaderboards
LEADERBOARD
🔥
Lowest Rate Overall
The lowest comparison rates across every personal loan we track.
#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$10,000 – $7
Fees
Application feeFree
Monthly feeNone
Annual feeFree
Early repayment feeFree
Features
✅Extra repayments
✅Early payout allowed
✅Redraw facility
—Flexible repayment frequency
#6
#6
🏦
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
#7
#7
🏘️
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
#8
#8
🏦
BEGREEN LOAN
First Option Bank
6.23%
6.74% adv
Details
🏦
BEGREEN LOAN
First Option Bank
6.23%6.74% adv
+
Rate Details
Advertised rate6.74%
Comparison rate6.23%
Loan typeUnsecured · Variable
Term—
Amount—
Fees
Application fee$175
Monthly feeNone
Annual feeFree
Early repayment feeFree
Features
✅Extra repayments
✅Early payout allowed
✅Redraw facility
—Flexible repayment frequency
#9
#9
🏦
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
#10
#10
🏦
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
#11
#11
🏦
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
#12
#12
🏦
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
#13
#13
🏦
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
#14
#14
🏦
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
#15
#15
🏦
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
#16
#16
🏦
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
#17
#17
🏘️
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
#18
#18
🏦
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
#19
#19
🏦
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
#20
#20
🏦
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
#21
#21
🏦
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
#22
#22
🌳
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
#23
#23
🏦
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
#24
#24
🏦
Electric Vehicle Loan
Woolworths Team Bank
6.63%
6.19% adv
Details
🏦
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
#25
#25
🏦
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
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 personal loan comparison rate tracked by BankMate is 5.55% from Unity Bank (Green Upgrades Loan (with mortgage)). How we rank →