15+ Personal Loan Lenders • Smart Matching

Find Your Best Personal Loan in 2 Minutes

Whether it's debt consolidation, renovations, or a major purchase—our algorithm compares 15+ lenders to find your perfect match. Get approval probability and personalized rates instantly.

15+

Personal Loan Lenders

6.99%

Rates from

$100K

Max Loan Amount

Get Your Best Rate → See How Matching Works

🔒 Secure • No credit score impact • 100% free service

We Match You For Any 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

See Your Personalized Results

Results categorized by match quality:

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

Each lender shows:

• Match confidence score
• Approval probability
• Your personalized rate
• Monthly payment amount
• Total interest over loan term

Try Our Personal Loan Matcher →

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

All lenders verified and actively accepting personal loan applications as of October 2025. Rates and criteria updated monthly.

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)
Approval Probability: 85-95% (High)
Personalized 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 Personal Loan Guarantee

If another broker finds you a better personal loan rate that our algorithm missed, we'll match it and give you $500. We're that confident in our matching technology.