Loans with low rates, tailored to you

CreditSavvy members get better personal loans, with low rates they deserve. Our award-winning loans are individually tailored to match our borrowers' financial situations, so the best borrowers are rewarded with our lowest rates, which start from a comparison rate* of just 6.95%.

Get a better loan today.

Canstar Outstanding Value Award 2021
Mozo Personal Loan Award 2019
Money Magazine Award Winner 2021
RateCity Gold Award 2022

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(Finding out your rate will not affect your credit score)

What our customers are saying

Excellent4.9 out of 5 based on 1201 reviews
One size doesn’t fit all

We understand that everybody is different, so we tailor our interest rates to individually match our borrower's financial situations. For unsecured loans our rates range from 6.95% (6.95% comparison rate*) to a maximum of 26.99% (28.65% comparison rate). Our loans are from $5,000 to $80,000 over 3, 5 or 7 years.

See below how different rates affect repayments for an example loan of $15,000 over 5 years.

For a 5-year unsecured loan of $15,000 at 10.99% p.a. (12.25% comparison rate*), the total amount payable over the course of the loan would be $20,256, which includes interest of $4,731 and an establishment fee of $525. Fees and rates are based on an individual's financial circumstances. Checking your rate will not affect your credit score

* This comparison rate is based on a $30,000 Personal Loan for a five year term. This rate is applicable for unsecured loans only.

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.

See how the others compare

We grade all of our borrowers individually. Our best borrowers qualify for a rate of 6.95% p.a. (6.95% comparison rate^) with no establishment fees. See how this compares with the major Australian banks.




Commonwealth Bank







^ Comparison rates as of 6th August 2021 (as published by ANZ, Westpac, NAB, and CBA). All comparison rates are based on a $30,000 Unsecured Personal Loan for a five year term and include all establishment and on-going fees. The MoneyPlace rate is availabe to borrowers with an excellent credit history.


Check your rate in 2 minutes. Apply online today

After you've submitted your application, your lending team specialist will guide you through the final steps. Once approved, get your money the next day.