Low interest Personal Loans

Looking for a personal loan with a low interest rate? We have you covered. At Realloans Australia, we offer personal loans that are tailored to your needs and come with rates as low as $5,000 to $200,000. 

Realloans Australia have a good list of lender that offer secured and unsecured loans personal loans with low interest rates. These loans are designed to fit your unique situation and come with a fixed and variable repayment term of up to 7 years. Whether you need to consolidate debt, make home improvements, pay utility bills, or cover any other acceptable expenses, we can help.

Personal loans with flexible repayment options, with no exit fees or additional repayment fees. Applying online is quick and easy, and you can receive your funds in no time.

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Personal Loans

Personal Loan Features

  • Loan amount from $5,000 to $200,000
  • Loan term from 2 to 7 years
  • Fixed and variable interest rate
  • Fixed and Variable rate
  • Weekly, fortnightly, or monthly repayment frequency
  • Same day approval


  • Be at least 18 years old
  • Be an Australian or New Zealand citizen, Australian Permanent resident, or hold an eligible visa
  • Meet minimum income requirements -provide two most recent payslips, or your last two years’ worth of tax returns if you’re self-employed
  • Be employed or have regular income
  • Have a good credit rating

What is Personal Loan?

Personal Loan Australia refers to a type of loan that individuals can obtain from financial institutions or lenders to meet their personal financial needs. These loans are available to Australian citizens, permanent residents or visa holder and can be used for various purposes, including debt consolidation, home renovations, holiday expenses, wedding costs, or purchasing a car.

The loan term for personal loans in Australia typically ranges from 2 to 7 years, allowing borrowers to choose a repayment period that suits their financial situation and ability to repay the loan.

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Fixed and Variable Loan

Personal loans in Australia can have either fixed or variable interest rates. A fixed interest rate means that the interest rate remains the same throughout the loan term, providing borrowers with predictable monthly repayments. On the other hand, a variable interest rate may fluctuate over time, depending on market conditions, which can result in changing monthly repayments.

Secured and Unsecured Personal Loan

In Australia, personal loans are offered in both secured and unsecured forms. A secured personal loan requires the borrower to provide collateral, such as a car or property, as security against the loan. This collateral helps to reduce the lender’s risk and may result in a lower interest rate. On the other hand, an unsecured personal loan does not require any collateral and is based solely on the borrower’s creditworthiness.

How to apply for a personal loan?

Applying for a personal loan with Realloans Australia is quick and simple.

  1. Fact find form

    To apply complete fill Fact Find Form, provide a Driver License & your most recent pay slip or 1 year personal tax return.

  2. Get you loan quote

    Without affecting you credit score, we will within 24 hours provide you with 3 loan options that suits you requirement will all fees, rates and repayments.

  3. Select the lender

    Let us know which lender you want to procced with, we will submit the application on your behalf.

  4. Approval and settlement

    Once approved, settlement is usually instant or within a few hours. The loan contract is electronically signed and loan will be disbursed within 24 hours.

Personal Loan with Realloans

Expert Personal Loan Brokers

We have one of the best personal loan brokers that provide every customer a personalized service depending on their individual needs.

15+ Lenders

With a good list of lenders, Realloans brokers will provide you with the personal loan option that is best suited for you at best possible interest rates.

Easy Loan Approval

From first contact to settlement, Realloans broker will guide you throughout your loan process and ensure you have a quick easy loan approval.

Personal Loan FAQs

What is the difference between a secured and unsecured personal loan?

A secured personal loan is when the borrower provides collateral, to secure the loan. This collateral helps lower the lender’s risk and may lead to a lower interest rate. In contrast, an unsecured personal loan does not need any collateral and is solely based on the borrower’s creditworthiness.

What is a comparison interest rate?

A comparison rate is a percentage that reflects the true cost of a personal loan by combining the interest rate and any additional fees or charges.

What is an early repayment fee?

An early repayment fee for a personal loan is a charge imposed by the lender if the borrower decides to pay off the loan before the agreed-upon repayment period. This fee is typically a percentage of the remaining loan balance or a set amount specified in the loan agreement.

Which bank is best for a personal loan?

There are several banks in Australia that offer personal loans and the best one for you will depend on your individual circumstances and requirements. Consult a Realloans personal loan broker to discuss your specific needs and eligibility, we will compare the interest rates, fees, and loan terms of different banks and provide you will the best personal loan.

How much can I borrow for a personal loan?

The amount you can borrow for a personal loan ranges from $5,000 to $200,000. The specific amount you will be offered varies based on your application and individual financial circumstances. It is crucial not to borrow more than necessary, as doing so could unnecessarily increase your repayments and the total interest paid.

Do you offer personal loans for bad credit?

Yes, we offers personal loans to people with bad credit. We have 5+ lender that offer bad credit personal loans. Even if you have been refused credit by other lenders, we can get you a loan ss long as the loan is affordable and is suitable for you.

If I’m not a permanent Australian resident, can I still get an Personal Loan?

If you are not a permanent Australian resident, you may still qualify to apply for a personal loan. However, you will need to meet certain visa and income verification requirements.

How long till I receive my funds into my account?

Once your loan has been approved and signed, your funds will typically be available on the next business day or within two working days, depending on your circumstances.

Australia wide Personal Loans

  • VIC
  • NSW
  • QLD
  • SA
  • WA
  • TAS


Mornington Peninsula

Yarra Valley



New Castle




Gold Coast





Mount Gambier

Mount Barker







Mount Gambier

Mount Barker

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