How fast can I get a personal loan in Australia?

Most customers get a decision within 60 minutes during business hours and funding as fast as same-day to next business day.

What can I use an Aussie personal loan for?

Cars, debt consolidation, renovations, holidays, medical, education, weddings and emergencies.

Do you charge early repayment fees?

No. All our personal loans have zero early repayment and zero exit fees.

What is the minimum credit score?

We consider all credit histories from fair to excellent. Centrelink income can be considered as secondary income.

★ Rated 4.9/5 by 3,847 Aussies • Sydney • Melbourne • Brisbane

FAIR DINKUM PERSONAL LOANS FOR AUSSIES

Borrow $2,000 – $75,000 for cars, debt busting, renos or that big lap around Oz. 100% online, 3-minute application, same-day decision. No early repayment fees. Ever.

✅ From 5.9% p.a. ⚡ Same-day payout 🛡️ No impact to credit to check

Get my personalised rate → Calculate repayments

Comparison rate 6.89% p.a. Example: $20k over 5 yrs = $392/fortnight. Lending criteria, fees & T&Cs apply.

How much do you need, mate?

Drag the sliders — see repayments instantly.

Amount: $20,000

Term: 5 years

Rate: 8.9% p.a.

Fortnightly$—

Monthly$—

Total interest$—

Apply in 3 minutes →

Won't affect your credit score to check eligibility

★ Our story — About AussiePersonal.loan

Born in Bondi. Built for every Aussie.

We started in 2018 with one bloody simple idea: personal loans shouldn't be confusing, slow or rip-offs. Banks made you queue, fill 20 pages and wait 2 weeks. We built a 100% online lender that gives you a fair rate based on you — not just your credit file — and a decision while your flat white is still hot.

Today we're one of Australia's most-loved non-bank lenders. From Darwin tradies buying utes to Melbourne nurses consolidating credit cards to Noosa couples renovating Queenslanders — we've helped 42,000+ Aussies borrow smarter. We're Australian-owned, ACCC & ASIC compliant, and our support crew is based right here in Sydney (not overseas).

🇦🇺 Australian Credit Licence 123456 — fully regulated, transparent fees, no hidden nasties.
💚 Fair-go assessment — we look at income, stability & affordability, not just a score.
🌱 Green loans — discounted rates for solar, batteries, EVs & water tanks.

42k+loans funded

97%would recommend

60 minavg decision

24/7online portal

Explore loans Read reviews

“We don't do fine print ambushes. What you see is what you pay. That's the Aussie way.” — Jacko, Founder, Brisbane

💰 Loans for real life

One application. Six ways to get ahead.

Unsecured up to $50k, secured up to $75k. Fixed rates, fixed repayments, extra repayments free. Redraw available.

🚗 Car & Ute Loans

New, used or private sale. Secured rates, no deposit needed. Tradies, utes, 4WDs & family SUVs approved in hours.

Borrow $5k–$75k • 3–7 yrs

Check car rate →

SAVE $4,200 AVG

💳 Debt Consolidation

Roll credit cards, Afterpay & personal loans into one lower payment. Cut interest, boost credit score, breathe again.

One payment • One rate • Zero stress

Consolidate now →

RENO • SOLAR • FROM 6.49%

🏠 Reno & Solar Loans

Kitchen, bathroom, deck or 6.6kW solar + battery. Increase home value and slash power bills with green discount.

Up to $75k • Green -0.5% off

Fund my reno →

HOLIDAY • FROM 7.99%

✈️ Holiday & Wedding

Big lap, Bali honeymoon or backyard wedding in the Barossa. Borrow responsibly, pay back in easy fortnightly bites.

$2k–$30k • No security needed

Plan my escape →

MEDICAL • SAME DAY

🏥 Medical & Dental

Braces, IVF, surgery or vet bills. Emergency funding in as fast as 4 hours with direct pay to clinic option.

Urgent care • Direct payment

Get help fast →

BAD CREDIT CONSIDERED

⚡ Emergency Cash

Car blew up? Fridge died? Fair-go loans for battlers with defaults or Centrelink as secondary income. No payday rip-offs.

$2k–$15k • No early fees

Get emergency cash →

📊 Honest rates, no ambush

Rates that pass the pub test.

Fixed rates tailored to your profile. Same rate for life of loan. No monthly account fees on most tiers.

Loan type	Fixed rate p.a.	Comparison*
Excellent (750+) Secured car	5.90% – 7.49%	6.32% p.a.
Good (650-749) Unsecured	8.90% – 13.99%	9.87% p.a.
Fair (550-649) Unsecured	14.99% – 19.99%	16.45% p.a.
Green Solar/EV Discount	5.90% – 8.49%	6.10% p.a.
Debt consolidation	7.49% – 14.99%	8.95% p.a.

*Comparison rate based on $30,000 over 5 years. WARNING: Comparison rate is true only for examples given. Different amounts/terms result in different comparison rates. Fees: $0–$395 establishment, $0 monthly, $0 early exit.

Why 42,000 Aussies switched:

✅ Zero early repayment fees — pay extra, smash it early, save interest.
✅ Soft credit check to see your rate — score stays safe.
✅ Redraw & extra repayments free on all loans over $10k.
✅ Human support 7 days — Sydney crew, 8am–8pm AEST.
✅ Money in bank as fast as same day (NPP Osko).

See if I qualify →

🪜 Dead easy process

From couch to cash in 3 steps.

Check rate (3 min)

Tell us amount & purpose. Soft check only — see your personalised fixed rate with no mark on your file.

Verify online

Connect bank via secure CDR, upload ID & payslips. E-sign docs. Most approved in under 60 mins.

Get funded

Cash via Osko same-day. Manage, redraw & pay extra in app. No worries!

Who can apply?

18+, Aussie citizen/PR, $30k+ income (incl. Centrelink as secondary), paid into Aussie bank for 3+ months.

Start now →

Repayment calculator

Example only. Your actual rate depends on assessment. Fortnightly = half monthly x 12 / 26.

Loan amount: $25,000 Years: 4 Interest: 9.5%

ESTIMATED FORTNIGHTLY

$—

⭐ 4.9 from 3,847 reviews

Aussies reckon we're bonza.

★★★★★

"Blew up my Hilux in Mt Isa. Applied at 9am, cash by 3pm. Bloody legends. Rate 7.2% way better than dealership 13%."

Dane K. — QLD Tradie
$28k Ute Loan • Funded same day

★★★★★

"Had $18k across 3 cards at 22%. Consolidated to 9.1%, one $212/fn payment. Saved $310 a month. Wish I'd done it years ago."

Sarah M. — Melbourne Nurse
$18k Consolidation • 5 stars

★★★★★

"Solar + battery $21k, green discount 6.4%. Power bill from $620 to $78 a quarter. Application was easier than ordering Uber Eats."

Priya & Tom — Perth
$21k Green Loan • Solar

❓ Fair questions

Got questions? No worries.

How fast will I get my money? +

Once approved and e-signed before 3pm AEST on a business day, 80% of customers receive funds same-day via Osko. Others next business day. Weekends processed Monday morning.

Will checking my rate hurt my credit score? +

No. Initial eligibility uses a soft enquiry only. A hard enquiry is only recorded if you proceed to full application — and we tell you before we do it.

Can I get a loan with bad credit or defaults? +

Yes, we consider fair credit, paid defaults over 12 months old, and single defaults under $2k. We do not offer payday or no-credit-check loans — we lend responsibly under NCCP.

Are there fees for paying early or extra? +

Zero. No early payout fees, no extra repayment fees, no exit fees. Pay weekly, fortnightly or monthly, redraw extra payments free.

Can Centrelink be part of my income? +

Yes, Centrelink / Family Tax Benefit can be secondary income if you also have PAYG, self-employed or casual income and can show affordability. Full JobSeeker-only applications are generally declined.

Secured vs unsecured — what's better? +

Secured (car, bike) gives lower rate 5.9%+ but uses vehicle as security. Unsecured needs no asset but rate is higher. Both have same fast process.