Personal Loans: Compare Rates From 30+ Lenders
From debt consolidation to dream holidays, with options from 30+ lenders, our expert brokers will get you approved fast and on the best rates - Personal loans made simple!
What can we help you with?
Select your loan purpose and get a free quote
Personal Loans — for every purpose, for every person.
Flexible finance for life's big moments — and the unexpected ones too.
Debt Consolidation
Combine multiple high-interest debts into one simple repayment with a lower rate. Reduce your monthly outgoings and get back in control of your finances.
Vehicle Purchase
Need a car but want more flexibility than a car loan? A personal loan lets you buy any vehicle — new, used, or private sale — with fast funding and no asset security required.
Home Renovations
Upgrade your kitchen, bathroom, or backyard without touching your equity. A personal loan can be a fast, flexible way to fund your renovation project.
Travel & Holidays
Finance the trip of a lifetime with a competitive personal loan. From Bali to Europe — don't wait, travel now and repay over flexible terms.
Weddings & Events
Your special day deserves the best. A personal loan lets you celebrate without compromise, with structured repayments that fit your budget.
Education & Courses
Invest in yourself. Fund a course, degree, or professional certification with a personal loan structured around your learning timeline.
Medical Expenses
When health can't wait, we can. Our brokers work quickly to arrange personal finance for medical procedures, dental work, or specialist care.
Secured vs Unsecured — which is right for you?
Your broker will help you choose the best structure for your situation.
Secured Personal Loan
Best for borrowers with an asset to use as security who want the lowest possible rate.
Unsecured Personal Loan
Best for borrowers who want quick access to funds without putting up any security.
Tailored personal loan repayments to suit your budget.
Estimate your repayments, request a free quote, and get your loan pre-approved.
Personal Loan Calculator
Estimates only. Actual rates depend on your credit profile.
What's the criteria to apply?
Personal loans are available to a wide range of Australian applicants. While lender criteria varies, the general minimum requirements are:
What documents are required to apply?
The documents required depend on your employment type. Your broker will confirm exactly what's needed.
Bad Credit? With the right broker, you've got options!
If you have a less-than-perfect credit history, you're far from alone — and you're far from out of options. Drive Select Finance has specialist lenders on our panel who focus specifically on helping borrowers with adverse credit histories access personal finance.
These lenders don't simply reject applications based on a credit score. They look at the full picture: your current income, the stability of your employment, how your bank statements look today, and the genuine circumstances around any past credit issues. A default from several years ago looks very different to a lender when your finances are clearly in good shape now.
What bad credit lenders assess
Four simple steps to your personal loan.
Fast, easy, and completely free to you.
Apply Online in 2 Minutes
Complete our quick form with your basic details and loan purpose. No paperwork, no stress. Won't affect your credit score.
We Compare 30+ Lenders
Your dedicated broker searches our full lender panel to find the best rate and terms for your profile and purpose.
Review Your Options
See your personalised options side by side — rate, term, repayments, and fees — with full transparency and no pressure.
Funded Fast!
Once approved, funds are typically in your account within 24-48 hours. Some lenders offer same-day funding.
We work for you — not the banks.
30+ Lenders Competing For You
Our lender panel competes for your business — giving you real options and driving rates down. You get the best deal, not the most convenient one for the bank.
Zero Credit Score Impact
Our initial quote process uses a soft enquiry only. Your credit score is never touched until you're ready to proceed — and only with your consent.
Fast Approvals & Funding
Many personal loans are approved within 24 hours with same-day funding available from some lenders. We move as fast as you need us to.
Dedicated Personal Broker
You get a real human broker who manages your application from start to funding. Not a chatbot. A dedicated finance specialist.
Rates from 5.68% p.a.
By comparing 30+ lenders simultaneously, we consistently secure rates that beat what you'd get by walking into a bank directly.
Bad Credit Specialists
Defaults, missed payments, or past bankruptcy? We have specialist lenders who work with all credit types and find options others can't.
Real people, real results.
"Consolidated three debts into one easy payment. The broker was incredible — walked me through every step. Now saving $600 a month!"
"Got a great rate for my kitchen renovation. So much cheaper than using my credit card. Process was quick and painless."
"Funded our dream Europe trip with a personal loan at a rate better than any bank quoted me. Will definitely use again."
Personal loan questions, answered.
Ready to get your personal loan?
No credit impact. No hidden fees. Just a fast, personalised quote from our expert brokers.