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Smarter Borrowing

Personal Loans Tailored To You

Whatever You Need It For — We’ve Got the Loan to Match.

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Compare 70+ Lenders, One App, Zero Credit Score Damage

No shopping around. No unnecessary credit hits.

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Need Funds? Get Approved Without the Stress

From unexpected bills to big dreams — we’ve got you.

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Using Ausloans loan comparison and approval pre-check won't affect your credit score until you proceed with a lender.. Start by checking your loan and rate options with our no-obligation finance checks.

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Your Personal Loan Journey Starts Here

Your Loan, Your Way — Fast Approvals. No Credit Score Hit

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3-Step Personal Loans

Get the Money You Need — Fast, Simple, Personal.

STEP 1: 2 MINUTE FINANCE APPROVAL PRE-CHECK

Complete our 2 minute online loan comparison and finance approval pre-check and our powerful AI will start unlocking your lender options with no impact on your credit score

STEP 2: UPLOAD YOUR DOCUMENTS

Upload your documents through our safe and secure upload portal to verify your information and our AI will match you with your best personalise rate offers with no impact on your credit score.

STEP 3: CHOOSE YOUR LENDER & GET APPROVED

Review your loan options with our finance expert. They will give you a call to help you choose your best lending option and if you want to proceed will submit the application for approval on your behalf.

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Fast Easy Finance Trusted by 1000's of Aussies

We work for you. not the banks!

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Your personal loan questions answered.

Do I qualify for finance?
Do I qualify for finance?

To qualify for finance you need to:

  • Be over 18 years old.
  • Be an Australian citizen or permanent resident*
  • Be currently employed**
  • Earn at least $400 per week (after tax)
  • Not be in an undischarged bankruptcy or part 9 debt agreement. 

    *We may be able to help if you have a visa with more than 2 years remaining.
    **Min 1-month permanent employment (full or part-time) with continuation of the same industry (probation periods may be considered) - Or 6 months casual employment.
    *** We may be able to help if you are employed full time and more than half of your bankruptcy period has passed.

What can I use a personal loan for?

You can use a personal loan for almost any purpose—travel, debt consolidation, renovations, medical costs, and more.

Personal loans offer flexible funding for a wide range of expenses. Whether you’re planning a holiday, upgrading your home, covering unexpected medical bills, or consolidating high-interest debt, a personal loan can help you spread costs over manageable repayments.

Ausloans works with over 70 lenders to connect you with the right solution for your needs, even if you’ve been declined elsewhere or have bad credit. 

What documents do I need to apply?
What documents do I need to apply?

Making an application is quick and easy. You just need to have the following documents ready to give to your broker:

  • Drivers license
  • ABN number

Or if you are employed:

  • Two recent payslips

Can I get a loan if I am bankrupt?
Can I get a loan if I am bankrupt?

Not if you are currently in bankruptcy or a Part 9 or 10 debt agreement. However, if you are discharged or more than half of your bankruptcy period has passed we can be able to assist you. 

Can I get approved if I have bad credit?
Yes, you can get approved for a bad credit car loan. At Ausloans we believe in assessing your circumstances and finding a solution that best suits you, so if you have bad credit or you are currently on Centrelink we might be able to help you.
What are the minimum and maximum repayment periods?
 Personal loan repayment terms can start from 6 months and extend up to 5 years, depending on the lender and loan type. 
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Personal loans made simple !

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Privacy Policy | 2026-© Ausloans Pty Ltd Australian Credit Licence # 383 999

 Interest rates range from 6.99% p.a. to a maximum annual percentage rate of 29.99% p.a. (comparison rates* from 8.15% p.a. to 31.50% p.a.). 

 This estimate is not an offer for credit and this financial product may not be suitable or available for you. To obtain credit, an application must be submitted to a lender.

*Comparison rate for the purpose of the National Credit Code is based on a 5 year secured loan of $30,000 with a 0% residual. Warning: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate and repayment estimate shown may change based on lender interest rates. Terms and conditions apply to qualify for lender rates. The interest rate you receive will depend on various factors, including the loan size, term, and your credit rating.