Financial product reviews

A total of 36 independent reviews.

Harmoney is a fully online personal lender offering loans from AUD 2,000 to AUD 70,000 with competitive rates starting at 5.76% p.a. The application process is completed entirely online with no branch…

  • Rates from 5.76% p.a. competitive for non-bank sector
  • Loan terms up to 84 months for lower monthly repayments
4.6
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Wisr is an ASX-listed fintech lender (ASX: WZR) offering personal loans from AUD 5,000 to AUD 64,000. Rates start at 6.49% p.a. and the platform emphasises financial wellness alongside its lending pro…

  • ASX-listed lender with transparent governance
  • Soft credit check available before formal application
4.5
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SocietyOne is one of Australia's original peer-to-peer lenders, now operating as a direct lender. It offers personal loans from AUD 5,000 to AUD 50,000 with rates from 6.99% p.a. SocietyOne holds Aust…

  • Established lender operating since 2012
  • Loan terms from 24 to 60 months
4.4
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MoneyMe is an ASX-listed fintech (ASX: MME) providing personal loans from AUD 2,000 to AUD 50,000 with same-day funding capability. Interest rates range from 9.99% p.a. to 29.99% p.a. MoneyMe holds Au…

  • Same-day funding available in many cases
  • Lower minimum loan of AUD 2,000 suitable for smaller needs
4.3
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Plenti is an ASX-listed lender (ASX: PLT) offering personal loans from AUD 2,000 to AUD 50,000 with rates from 6.57% p.a. The platform uses Open Banking and automated assessment to provide fast decisi…

  • ASX-listed lender with strong governance and public reporting
  • Competitive rates from 6.57% p.a.
4.5
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Latitude Financial Services offers personal loans from AUD 3,000 to AUD 70,000 with fixed rates. Latitude is an ASX-listed company (ASX: LFS) holding Australian Credit Licence 392145 and is regulated …

  • ASX-listed with robust regulatory oversight
  • Loan amounts up to AUD 70,000 among the highest available
4.1
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OurMoneyMarket offers personal loans from AUD 2,000 to AUD 75,000 with competitive rates. The lender focuses on prime borrowers and uses a risk-based pricing model. OurMoneyMarket holds Australian Cre…

  • High maximum loan of AUD 75,000 for qualified borrowers
  • Rates capped at 20.99% p.a. lower than many rivals
4.3
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NOW Finance is an Australian non-bank lender offering personal loans from AUD 5,000 to AUD 50,000 with no ongoing fees. The lender emphasises a no-fee structure beyond its establishment fee. NOW Finan…

  • No monthly or ongoing fees
  • Terms up to 84 months for manageable repayments
4.2
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Jacaranda Finance is an Australian lender specialising in personal loans for borrowers with imperfect credit histories. Loans range from AUD 300 to AUD 15,000 with terms up to 48 months. Jacaranda Fin…

  • Considers applicants with impaired credit history
  • Same-day approval and funding available
4.2
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Money3 is an ASX-listed lender (ASX: MNY) offering secured personal loans for borrowers with adverse credit history. Secured loans from AUD 500 to AUD 30,000 use a vehicle as security, which can reduc…

  • ASX-listed lender with strong regulatory accountability
  • Secured product may offer lower rates than unsecured alternatives
4.0
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Savvy is an Australian loan comparison platform that connects borrowers with bad credit to a panel of ASIC-licensed lenders. The platform does not lend directly but facilitates access to multiple non-…

  • Single application accesses multiple lenders
  • Can match borrowers with specialist bad credit lenders
4.1
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Fair Go Finance specialises in personal loans for Australians with poor credit histories. Loans from AUD 500 to AUD 10,000 are assessed primarily on current financial position rather than credit score…

  • Considers applicants with significant credit impairments
  • Focuses on current repayment capacity rather than credit history alone
4.0
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Swoosh Finance offers secured and unsecured personal loans for Australians with bad credit. Loans from AUD 1,000 to AUD 15,000 are available with flexible terms. Swoosh Finance holds Australian Credit…

  • Both secured and unsecured options available
  • Considers defaults and financial hardship history
4.1
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Cash Train provides small personal loans for Australian borrowers with poor credit. Loans from AUD 500 to AUD 10,000 are processed online with same-day funding in many cases. Cash Train holds Australi…

  • Same-day funding available for eligible applicants
  • Considers applicants with adverse credit history
3.9
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Pepper Money is a non-bank lender offering car loans from AUD 5,000 to AUD 150,000 for new and used vehicles. Pepper specialises in non-conforming and specialist lending and considers applicants that …

  • Considers non-conforming and self-employed applicants
  • High maximum loan of AUD 150,000
4.3
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Plenti offers competitive car loans from AUD 10,000 to AUD 100,000 for new and used vehicles. The ASX-listed lender is known for competitive rates in the car finance segment and uses Open Banking for …

  • Rates from 6.24% p.a. among lowest in non-bank car finance
  • High maximum of AUD 100,000
4.5
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CarMoney is an Australian car finance comparison platform that connects borrowers with a panel of lenders. It does not lend directly but facilitates applications to multiple ASIC-licensed lenders to f…

  • Access to 30+ lender panel via single application
  • Covers new, used, motorcycles, caravans and other vehicles
4.2
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Latitude Financial Services offers secured car loans from AUD 5,000 to AUD 70,000 for new and used vehicles. Latitude is an ASX-listed consumer lender (ASX: LFS) holding Australian Credit Licence 3921…

  • ASX-listed lender with established brand recognition
  • Fixed rate provides repayment certainty
4.0
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NOW Finance offers secured car loans from AUD 5,000 to AUD 50,000 with no ongoing fees. The lender's car loan product uses the vehicle as security, enabling competitive rates relative to its unsecured…

  • No monthly fee structure
  • Private sale vehicles accepted subject to criteria
4.2
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Wisr offers secured car loans from AUD 10,000 to AUD 100,000 for new and used vehicles. The ASX-listed lender provides competitive rates with no early repayment penalty and uses Open Banking for faste…

  • Competitive rates from 6.49% p.a.
  • No early repayment fee
4.4
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