Personal finance · Personal loans

Personal loans, made simple.

Consolidating debts, renovating, travelling or covering a big expense: we compare personal loans across lenders and find one with repayments that suit your budget.

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Get your personal loan options

Free, no obligation, and it won't affect your credit score.

George Karpathakis, Co-Founder & DirectorYour enquiry comes straight to our team. We usually reply within one business day.

The right personal loan, not just the first one

Personal loan pricing varies widely. Two lenders can offer the same borrower very different rates depending on the loan purpose, whether it's secured and how they read your credit file. Applying to several lenders yourself adds multiple enquiries to your file. We compare first, then apply once with the lender that suits you.

We look at the rate, the comparison rate, fees, the loan term, and whether you can make extra repayments without penalty. Then we handle the application and keep you updated until the funds are in your account.

Common reasons people take out a personal loan

Debt consolidation: rolling credit cards and other debts into one repayment with a fixed end date.
Home improvements: smaller renovations where refinancing the mortgage isn't worth it.
Weddings, travel and events.
Medical, dental or education costs.
Large purchases: boats, caravans, motorbikes and equipment.

If you own a home, it can sometimes be cheaper to use your home loan instead. We'll show you both options with the total cost, so you can choose.

Personal loan repayments

Estimate the monthly repayment on a personal loan.

Loan amount

Interest rate (p.a.)

Loan term

Estimated monthly repayment

$0 total interest · $0 total repaid

Principal & interest, illustrative only. Enter any rate to test scenarios; it is not a quoted rate. Assumes the rate stays the same for the full term and excludes fees and charges. Actual repayments vary by lender and product.

Compare my options

See what fits your budget

Enter an amount, a rate to test and a term. Shorter terms mean higher repayments but less interest overall.

When you're consolidating debts, compare the new repayment against what you pay across your current debts today, and check the total interest over the life of each option.

For more on how debts affect a future home loan, see credit cards and your borrowing power.

How it works

How does a personal loan with us work?

Tell us what it's for

A short conversation about the amount, purpose and your budget.

We compare

We compare lenders on rate, fees, term and flexibility, and recommend the best fit.

One application

We apply with the lender you choose, so you avoid multiple credit enquiries.

Funds released

Once approved and signed, the funds are paid to you or directly to your creditors.

What you'll need

Photo ID.
Proof of income: recent payslips, or tax returns if self-employed.
Recent bank statements.
Statements for any debts you're consolidating.

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Personal loan questions, answered.

Most legitimate purposes: consolidating debts, a wedding, travel, medical or dental costs, home improvements, or buying something large such as a boat or caravan. The purpose can affect which lenders are available and the rate.

A secured loan uses an asset, such as a car, as security and usually has a lower rate. An unsecured loan doesn't need security, so it's more flexible but generally more expensive. We compare both where they apply.

Often. A personal loan has a fixed end date and set repayments, so the debt is actually paid off. Credit cards can stay open indefinitely. The key is closing the cards you've consolidated. See debt consolidation.

Adding it to your mortgage usually means a lower rate, but spreading a short-term debt over 20 or 30 years can cost more in total interest. We show you both options with the total cost.

Applying adds an enquiry to your credit file, and the loan appears as an account. Paying on time helps your history. We only apply once we've agreed on the lender, so you avoid multiple enquiries.

Many personal loans allow extra or early repayments, but some charge an early exit fee, especially on fixed rates. We check this before you choose.

Find a personal loan that fits.

Tell us what you need and we'll compare the options, then apply once with the lender that suits you.