15+ Personal Loan Lenders • Credit Assistance

Compare Personal Loan Options From Our Panel

Whether it's debt consolidation, renovations, or a major purchase—we provide credit assistance to compare 15+ lenders to identify potentially suitable options. See indicative options based on your circumstances. All approvals subject to lender assessment.

15+

Personal Loan Lenders

6.99%

Rates from

$100K

Max Loan Amount

Start Your Assessment → See How Matching Works

🔒 Secure • No credit check at initial stage • No cost to you* | *We are paid by lenders

Important Information

Esteb and Co provides credit assistance services. We are licensed credit representatives (ASIC Credit Rep #574070) who help you compare loan options from our panel of lenders. We do not lend money directly. All loan approvals are made by lenders, subject to their criteria and responsible lending assessments. Our service is free to you - we receive commissions from lenders. Read our Credit Guide

Credit Assistance For Personal Loan Purpose

Debt consolidation, renovations, life events—we compare them all

💳

Debt Consolidation

Combine multiple credit cards, personal loans, store cards into one simple payment.

Lower interest rates

✓ Consolidate 5+ debts
✓ Reduce monthly payments
✓ Fixed rate & term
✓ No more juggling due dates

🏠

Home Renovations

Kitchen, bathroom, extension, pool, landscaping, energy-efficient upgrades.

Unsecured options

✓ Up to $100K unsecured
✓ No home equity required
✓ Fast approval (1-3 days)
✓ Fixed repayments

✈️

Travel & Holidays

Dream vacation, family trip, honeymoon, cruise, round-the-world adventure.

Flexible terms

✓ Amounts: $5K - $50K
✓ Terms: 1-7 years
✓ No security required
✓ Fast funding (24-48 hours)

💍

Weddings & Events

Wedding ceremony, reception, honeymoon, engagement ring, anniversary celebrations.

Event specialists

✓ Amounts: $5K - $75K
✓ No vendor restrictions
✓ Flexible repayment terms
✓ Plan ahead or last-minute

🏥

Medical & Dental

Surgery, dental work, fertility treatment, cosmetic procedures, medical bills.

Healthcare finance

✓ Amounts: $2K - $100K
✓ Payment plans available
✓ 0% interest periods (select providers)
✓ Fast approval for urgent needs

📚

Education & Training

University fees, TAFE courses, professional development, overseas study.

Education focused

✓ Amounts: $5K - $150K
✓ Deferred repayment options
✓ Lower rates for education
✓ International study supported

How Personal Loan Matching Works

Real calculations specific to personal lending

You Provide Your Details

Our 2-minute assessment collects:

• Loan amount & purpose
• Income & employment details
• Credit score & existing debts
• Homeowner status (affects rates)
• Loan term preference (1-7 years)

We Calculate Your Metrics

Our algorithm automatically calculates:

• DTI (Debt-to-Income Ratio)
• Loan-to-Income Ratio (lenders cap at 2x)
• Monthly Repayment Capacity
• Credit Utilization (if consolidating)
• Affordability Check (expenses vs income)

✓ Personal loan calculations

Match You With 15+ Lenders

Each lender scored on:

• 30 pts - Income Strength
• 25 pts - Credit Quality
• 25 pts - DTI & Affordability
• 10 pts - Employment Stability
• 10 pts - Homeowner Status
• +15 pts - Specialty (e.g., Pepper for credit-impaired)

✓ 100-point match score

Review Your Indicative Options

Results categorized by match quality:

🌟 Recommended (70%+ match)
✓ Possible (50-69% match)
? Near Matches (shows requirements)

Each lender shows:

• Indicative match score
• Estimated approval likelihood
• Indicative rate estimate
• Monthly payment amount
• Total interest over loan term

Start Personal Loan Assessment →

Understanding Personal Loan Metrics

What lenders look for in personal loan applications

💰 Loan-to-Income Ratio

Formula: Loan Amount ÷ Annual Income

Example: $30K loan ÷ $75K income = 0.4x (40%)

Lender limits:

<0.5x (50%): Excellent - easy approval
0.5-1x (50-100%): Good - most lenders accept
1-2x (100-200%): Moderate - requires good credit
>2x (200%+): Exceeds most lender limits

Our algorithm: Automatically checks if your loan amount is within lender limits. Many lenders cap personal loans at 1-2x your annual income.

📊 DTI (Debt-to-Income Ratio)

Formula: (All Monthly Debts + New Loan) ÷ Monthly Income × 100

Example: $2,500 total ÷ $6,250 income = 40% DTI

Why it matters:

<30% DTI: Excellent - rate discounts available
30-40% DTI: Good - standard rates
40-50% DTI: Moderate - rate premiums +0.50%
>50% DTI: High risk - limited lenders

Important for debt consolidation: Your DTI AFTER consolidation is what matters. Even if current DTI is high, consolidation can improve it.

💳 Credit Score Impact on Rates

Personal loans are heavily credit-dependent!

Rate adjustments by credit score:

800+ (Excellent): 6.99% - 9.99%
700-799 (Very Good): 8.99% - 12.99%
600-699 (Good): 11.99% - 16.99%
500-599 (Fair): 15.99% - 22.99%
<500 (Poor): 20%+ or declined

Our algorithm: Shows you the personalized rate you're likely to get based on YOUR credit score, not misleading advertised rates.

Our Personal Loan Lender Network

15+ specialist personal loan lenders

🏦 Major Banks (Big 4 + Regional)

Commonwealth Bank Westpac NAB ANZ Bank of Queensland Bendigo Bank

Best for: Good credit (650+), homeowners, PAYG employment, loan-to-income <1x

💰 Specialist Personal Loan Lenders (9+)

Latitude Financial Pepper Money Liberty Financial Plenti MoneyMe Wisr SocietyOne +more

Best for: Credit-impaired, self-employed, renters, debt consolidation, fast approval needed

Lender availability and criteria may vary. Panel includes lenders accepting personal loan applications as of October 2025. Rates and criteria subject to change. Not all lenders suitable for all circumstances.

Real Example: Personal Loan Matching

See what our algorithm shows

Example: Debt Consolidation

Loan Amount: $25,000
Purpose: Consolidate 4 credit cards
Annual Income: $65,000
Loan-to-Income: 0.38x (38%)
Current Debts: $1,200/month (4 cards)
Current DTI: 22%
New DTI (after consolidation): 18%
Credit Score: 720 (Very Good)
Employment: PAYG - 4 years
Homeowner: Yes (renting)

✅ Algorithm Results

Recommended Lenders: 11
Top Match: Westpac (82% match)
Estimated Approval Likelihood: 85-95% (Indicative - subject to lender assessment)
Indicative Rate: 9.49%
Rate Adjustment: -0.50% (very good credit)
Monthly Payment (5yr): $522.48
Total Interest: $6,348.80
Monthly Saving: $677.52 (vs current cards)
Processing Time: 1-3 days

Why this works: Good income ($65K), very good credit (720), debt consolidation improves DTI from 22% to 18%, reasonable loan-to-income (38%), stable employment all contribute to high match scores. Consolidation saves $677/month!

Our Commitment

We are committed to providing thorough comparisons across our lender panel. If you believe we have missed a suitable option, please contact us and we will review your circumstances. All recommendations are indicative only and subject to lender approval.

Richard (Ricky) Esteb

Licensed Mortgage Broker & Founder

Credit Rep #574071 ACN 681 636 056 83+ Lender Panel

With direct experience helping Australians secure home loans, car finance, and business funding, Ricky founded Esteb and Co to bring transparency and technology to mortgage broking. Every piece of content is written from real-world lending experience.

✓ Verified & Last Reviewed: December 2025 | Content meets ASIC regulatory requirements