Personal loans
Fixed and variable rates with comparison rates, loan sizes and fees, including secured car loans.
443 personal loans from 132 banks and lenders, read every night from what each one publishes under the Consumer Data Right.
Go to every personal loanEvery institution's best rate, today
As published on 7 November 2026What are the lowest personal loan rates today?
As of 7 November 2026, the lowest personal loan rate is 5.80%, from Plenti Personal Loan, while the typical best across 68 institutions is 7.96%. The lowest fixed personal loan rate is 5.80%, from Plenti Personal Loan, while the typical best across 42 institutions is 7.96%. The lowest variable personal loan rate is 6.29%, from Bank of us' RESIDENTIALLY SECURED PERSONAL LOAN, while the typical best across 45 institutions is 8.02%.
Each institution counts once, at its best product anyone can apply for, so the typical figure is the middle one: half do better, half worse. Pick a rate to see every product behind it.
| Rate | Best anywhere | Typical institution |
|---|---|---|
| Personal loanLowest advertised rate, fixed or variable, leaving out car loans | 5.80%Plenti Personal Loan | 7.96%of 68 institutions |
| Fixed personal loanRepayments stay the same for the term | 5.80%Plenti Personal Loan | 7.96%of 42 institutions |
| Variable personal loanMoves with the lender's rates | 6.29%Bank of us' RESIDENTIALLY SECURED PERSONAL LOAN | 8.02%of 45 institutions |
Personal loans, lowest rate first
As of 7 November 2026, the lowest advertised personal loan rate open to anyone is 5.74% fixed, from Westpac's Car Loan, with a comparison rate of 7.16%.
| Product | Ratelowest first | Loan size | Upfront fee | Ongoing fee |
|---|---|---|---|---|
| Westpac Car Loan | 5.74%fixed for 7 years7.16% comparison | $10,000 to $130,000 | $250 | $15 a month |
| Plenti Plenti Personal Loan | 5.80%fixed for 7 years5.80% comparison | $2,001 to $75,000 | - | $0 a month |
| LCA Secured Variable Car Loan (Dealer) | 5.94%variable7.07% comparison | $10,000 to $150,000 | $400 | $8 a month |
| LCA Secured Variable Car Loan (Private Sale) | 5.94%variable7.22% comparison | $10,000 to $150,000 | $500 | $8 a month |
| NOW Finance Secured Personal Loan Also sold as Pepper Money Personal Loans by NOW Finance | 5.95%fixed for 18 months5.95% comparison | $15,000 to $100,000 | $0 | $0 a month |
| NOW Finance Unsecured Personal Loan Also sold as Pepper Money Personal Loans by NOW Finance | 5.95%fixed for 18 months5.95% comparison | $8,001 to $50,000 | $0 | $0 a month |
| MOVE Bank Move Car Loan | 6.09%fixed for 7 years | $10,000 to $150,000 | - | - |
| ING ING Personal Loan | 6.19%fixed for 7 years7.03% comparison | $5,000 to $60,000 | - | $8 a month |
| UniBank Fixed Rate Car Loan | 6.19%fixed for 3 years6.40% comparison | $10,000 to $80,000 | $150 | - |
| Woolworths Team Bank Electric Vehicle Loan | 6.19%variable6.63% comparison | - | $20 | - |
| Liberty Secured personal loan | 6.20%fixed6.63% comparison | $5,000 to $80,000 | - | $0 a month |
| MoneyPlace Secured personal loan | 6.20%fixed6.30% comparison | $5,000 to $80,000 | - | - |
| Greater Bank New Car Loan | 6.24%fixed for 7 years6.63% comparison | $5,000 to $100,000 | $275 | - |
| IMB Bank New Car Loan | 6.24%fixed6.59% comparison | $2,000 to $125,000 | $250 | - |
| Queensland Country Bank Personal Loan-Secured New Car | 6.24%variable6.88% comparison | - | $150 | $5 a month |
| Bank Australia Fixed Car Loan | 6.29%fixed for 7 years6.29% comparison | From $1,000 | $150 | - |
| Bank of us RESIDENTIALLY SECURED PERSONAL LOAN | 6.29%variable6.57% comparison | $3,000 to $100,000 | $200 | - |
| Macarthur Credit Union Ltd NEW CAR LOAN FIXED | 6.29%fixed for 7 years6.66% comparison | - | $10 | - |
| AMB Bank Product Car Loan | 6.35%fixed for 7 months7.27% comparison | $4,000 to $200,000 | - | $10 a month |
| Bank of Melbourne Secured Fixed Personal Loan | 6.49%fixed for 5 years7.90% comparison | $10,000 to $130,000 | $250 | $15 a month |
| Bank of us Personal Loan | 6.49%variable6.77% comparison | - | $200 | - |
| BankSA Secured Fixed Personal Loan | 6.49%fixed for 7 years7.90% comparison | $10,000 to $130,000 | $250 | $15 a month |
| Newcastle Permanent Secured Personal Loan & Car Loan | 6.49%fixed for 7 years6.84% comparison | $5,000 to $100,000 | $250 | - |
| Heritage Car Loan | 6.49%fixed for 1 year6.84% comparison | From $20,000 | $250 | $0 a month |
| People First Bank Discounted Personal Loan | 6.49%fixed for 5 years6.84% comparison | From $20,000 | $250 | - |
| Police Credit Union Limited The Best Car Loan | 6.49%fixed for 7 years6.90% comparison | - | $195 | - |
| SCCU MOTOR SCOUT NEW VEHICLE LOAN | 6.49%fixed for 3 years8.85% comparison | $20,000 to $150,000 | $250 | $8 a month |
| St. George Bank Secured Fixed Personal Loan | 6.49%fixed for 7 years7.90% comparison | $10,000 to $130,000 | $250 | $15 a month |
| Woolworths Team Bank New Car Loan | 6.49%variable6.93% comparison | - | $20 | - |
| bcu New Car Loan | 6.74%variable7.05% comparison | $4,000 to $150,000 | $200 | - |
| QBANK Personal Loan | 6.74%variable7.37% comparison | $1,000 to $150,000 | $195 | - |
| Greater Bank Secured Personal Loan | 6.78%fixed for 7 years7.17% comparison | $5,000 to $100,000 | $275 | - |
| Bank First Production New Car Loan Personal Lending 1-5 Years Fixed Unsecured | 6.79%fixed for 1 year7.06% comparison | From $10,000 | $195 | - |
| Bank First Production New Car Loan Personal Lending Variable Unsecured | 6.79%variable8.12% comparison | From $10,000 | $195 | - |
| Horizon Bank Personal Mortgage Sec. | 6.79%variable9.07% comparison | - | - | - |
| Horizon Bank Personal Saving Freeze | 6.79%variable7.00% comparison | From $500 | - | - |
| Defence Bank Limited New Car Loan | 6.89%variable7.66% comparison | - | - | $10 a month |
| Defence Bank Limited Used Car Loan | 6.89%variable7.66% comparison | - | - | $10 a month |
| Liberty Unsecured personal loan | 6.89%fixed6.89% comparison | $5,000 to $80,000 | - | $0 a month |
| MoneyPlace Unsecured personal loan | 6.89%fixed6.89% comparison | $5,000 to $80,000 | - | - |
| Orange Credit Union Ltd New Car Loan | 6.89%variable7.26% comparison | $5,000 to $120,000 | $265 | - |
| Border Bank Driveaway Car Loan | 6.99%fixed for 7 years7.13% comparison | From $5,000 | $98 | - |
| IMB Bank Secured Personal Loan | 6.99%fixed7.34% comparison | $2,000 to $75,000 | $250 | - |
| Police Bank Driveaway Car Loan | 6.99%fixed for 7 years7.13% comparison | From $5,000 | $98 | - |
| Police Bank Police Student Personal Loan | 6.99%fixed for 7 years6.30% comparisonAlso 7.99% variable, 7.20% comparison | From $5,000 | $0 | - |
| Regional Australia Bank Accelerator Car Loan | 6.99%variable7.30% comparison | From $10,000 | $195 | $0 a month |
| Revolut Revolut Personal Loan | 6.99%fixed for 5 years | $5,000 to $50,000 | - | - |
| UniBank Fixed Rate All Purpose Personal Loan | 6.99%fixed for 2 years7.20% comparison | $4,000 to $80,000 | $150 | - |
| Bank of Melbourne Unsecured Fixed Personal Loan | 7.00%fixed for 7 years8.41% comparison | $2,000 to $50,000 | $250 | $15 a month |
| Bank of Melbourne Unsecured Variable Personal Loan | 7.00%variable8.41% comparison | $2,000 to $50,000 | $250 | $15 a month |
267 of 443 personal loans match these filters. 176 with restricted eligibility (staff, profession, age, green or business-only) are hidden.
Published by each institution under the Consumer Data Right, last changed by them on 7 Nov 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.