Loans with low rates, tailored to you

Credit Simple 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 7.65%.

Get a better loan today.

Canstar outstanding value award 2017
Mozo excellent credit award 2018
Money magazine award winner 2019

I want to borrow...

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

What our customers are saying

Excellent9.7 out of 10 based on 366 reviews
One size doesn’t fit all

Because everyone is different, we tailor our interest rates to individually match our borrower's financial situation. See below how different rates affect repayments for an example loan of $15,000 over 5 years.

Our personal loans are for either 3, 5 or 7 years and our comparison rates*, which include fees, range from 7.65% to a maximum of 22.52%. Fees and rates are based on an individual's financial circumstances. Checking your rate will not effect 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.


It's simple and only takes 10 minutes to apply online

After your application is submitted your dedicated lending specialist will guide you through the final steps. It typically takes 2–3 days to get your money.