Finding the Right Personal Loan for September 2026

Harmoney leads with an industry-low unsecured rate of 5.76% p.a., ideal for borrowers with a solid credit score seeking a fully digital experience. Its lack of a branch network is a drawback, but the online process is seamless for tech-savvy users.

Liberty Financial offers a slightly higher starting rate at 5.67% p.a. for secured loans but compensates with flexible borrowing criteria, making it attractive for those who may not fit traditional bank profiles.

ING's personal loan starts at 6.19% p.a., presenting a solid choice for those wanting fixed rates with no early repayment fees. However, its lack of a variable rate option limits flexibility for rate-conscious borrowers.

OurMoneyMarket offers unsecured loans from 5.95% p.a., rewarding strong credit profiles with low comparison rates. Its Rate Beat guarantee adds a competitive edge, though the absence of secured loan options may deter some.

NAB's personal loan stands out with a rate cap of 12.99% p.a., ensuring even higher-risk borrowers receive competitive rates. The ongoing fee waiver until July 2026 is a timely advantage for those seeking immediate savings.

ANZ offers a blend of fixed and variable rate options up to 19.99% p.a. While its starting rate isn't the lowest, the bank's strong branch network provides valuable in-person support.

Westpac's personal loans start at 7.00% p.a., offering discounted rates on electric car loans and no early exit fees on certain products. The extensive branch network is a plus for those who prefer face-to-face interactions.

Commonwealth Bank provides a robust option with both fixed and variable rates starting at 7.25% p.a. The EV Access Program is appealing for eco-conscious borrowers.

Plenti's digital-first approach with rates from 6.17% p.a. and fast funding is ideal for tech-savvy borrowers looking for quick access to funds without in-person interactions.