The Finder Personal and Car Loan Awards 2025 recognise Australia's best personal loans and car loans.
We compare over 250 products across more than 110 providers for personal loans and car loans respectively.
NOW Finance's no fee personal loan has jumped up a spot for 2025 to take out the winning title of the best unsecured personal loan. That's in part thanks to its rates being particularly competitive over the last 12 months. It also doesn't charge an application fee or any ongoing fees, keeping the cost low for borrowers.
NOW Finance's no fee personal loan has jumped up a spot for 2025 to take out the winning title of the best unsecured personal loan. That's in part thanks to its rates being particularly competitive over the last 12 months. It also doesn't charge an application fee or any ongoing fees, keeping the cost low for borrowers.
Highly commended
Just like it says on the tin, Pepper Money's no fee unsecured personal loan charges no application fee or ongoing fees. This means borrowers only need to worry about paying the interest, which is also a competitive rate.
Just like it says on the tin, Pepper Money's no fee unsecured personal loan charges no application fee or ongoing fees. This means borrowers only need to worry about paying the interest, which is also a competitive rate.
Plenti offers a lower interest rate than the winner of this award, but its $595 application fee means it has scored lower. If you have excellent credit though you can get a low rate and the loan has higher borrowing limits.
Plenti offers a lower interest rate than the winner of this award, but its $595 application fee means it has scored lower. If you have excellent credit though you can get a low rate and the loan has higher borrowing limits.
NOW Finance wins a second award for its personal loans, this time for its secured personal loan. Alongside its competitive rate, the loan does not come with an application fee or ongoing fees. You can also make extra repayments and pay off the loan early without penalty.
NOW Finance wins a second award for its personal loans, this time for its secured personal loan. Alongside its competitive rate, the loan does not come with an application fee or ongoing fees. You can also make extra repayments and pay off the loan early without penalty.
Highly commended
Illawarra Credit Union's online personal loan package comes with an incredibly competitive interest rate. It has an application fee and a $5 monthly fee though, which brings its comparison rate up. This package personal loan benefits from a 100% offset account too.
Illawarra Credit Union's online personal loan package comes with an incredibly competitive interest rate. It has an application fee and a $5 monthly fee though, which brings its comparison rate up. This package personal loan benefits from a 100% offset account too.
Pepper Money's secured personal loan combines a competitive interest rate with no application fee or ongoing fees. You can also make extra repayments towards the loan without penalty.
Pepper Money's secured personal loan combines a competitive interest rate with no application fee or ongoing fees. You can also make extra repayments towards the loan without penalty.
Police Credit Union's Solar Eco Loan is our winner of the best green loan. With a strong variable rate and no fees, it keeps the cost of upgrading your home to a minimum. If you can make extra repayments you can also repay the loan early without penalty.
Police Credit Union's Solar Eco Loan is our winner of the best green loan. With a strong variable rate and no fees, it keeps the cost of upgrading your home to a minimum. If you can make extra repayments you can also repay the loan early without penalty.
Highly commended
bankWAW's solar loan comes in as a highly commended green personal loan. With its strong interest rate, borrowers don't have to worry about any ongoing fees. However, there's a $150 establishment fee to be aware of.
bankWAW's solar loan comes in as a highly commended green personal loan. With its strong interest rate, borrowers don't have to worry about any ongoing fees. However, there's a $150 establishment fee to be aware of.
Gateway Bank's eco personal loan allows you to borrow the funds for eco upgrades without the extra cost of ongoing fees. There is a $149 establishment fee to consider.
Gateway Bank's eco personal loan allows you to borrow the funds for eco upgrades without the extra cost of ongoing fees. There is a $149 establishment fee to consider.
If you're buying a car that's less than 3 years old, this variable rate loan from South West Slopes has been crowned Finder's best new car loan for 2025. Alongside a very strong interest rate, there is no application fee or ongoing fees. You can also make extra repayments, redraw for free and face no charges if you pay your loan off early.
If you're buying a car that's less than 3 years old, this variable rate loan from South West Slopes has been crowned Finder's best new car loan for 2025. Alongside a very strong interest rate, there is no application fee or ongoing fees. You can also make extra repayments, redraw for free and face no charges if you pay your loan off early.
Highly commended
MacArthur Credit Union's new car loan has a slightly higher interest rate than our winner, but it's still a competitive offer and that's why it's in second place. It has no ongoing fees, no fees for extra payments or early repayment, and you can access a redraw facility.
MacArthur Credit Union's new car loan has a slightly higher interest rate than our winner, but it's still a competitive offer and that's why it's in second place. It has no ongoing fees, no fees for extra payments or early repayment, and you can access a redraw facility.
With this Police Credit Union car loan you can won't pay any application fees or ongoing fees. You can also make extra repayments without penalty so that you can pay off the loan sooner.
With this Police Credit Union car loan you can won't pay any application fees or ongoing fees. You can also make extra repayments without penalty so that you can pay off the loan sooner.
Police Credit Union takes out the top spot for the best car loan for used cars. It gives the same rate for both used and new cars, plus no fees as well as the freedom to make extra repayments and access a free redraw. It also comes with the added bonus of being able to offset your car emissions.
Police Credit Union takes out the top spot for the best car loan for used cars. It gives the same rate for both used and new cars, plus no fees as well as the freedom to make extra repayments and access a free redraw. It also comes with the added bonus of being able to offset your car emissions.
Highly commended
With bcu's car loan you can benefit from extra repayments with the option of early repayment without penalty. There are no monthly fees to pay and if you choose to secure your loan against the vehicle you benefit from much lower rates.
With bcu's car loan you can benefit from extra repayments with the option of early repayment without penalty. There are no monthly fees to pay and if you choose to secure your loan against the vehicle you benefit from much lower rates.
People's Choice Credit Union comes with no account keeping fees and no fees for early repayment, on top of a competitive interest rate.
People's Choice Credit Union comes with no account keeping fees and no fees for early repayment, on top of a competitive interest rate.
People's Choice Credit Union offers a really competitive interest rate for electric vehicles, hybrid cars or hydrogen cars. On top of the great rate it comes with all the perks of its standard car loan: no account-keeping fees, free redraw and no charges for early repayment.
People's Choice Credit Union offers a really competitive interest rate for electric vehicles, hybrid cars or hydrogen cars. On top of the great rate it comes with all the perks of its standard car loan: no account-keeping fees, free redraw and no charges for early repayment.
Highly commended
Bank First comes in as highly commended for its green car loan. It has no monthly fees, flexible repayment options and access to free redraw (for a minimum of $500).
Bank First comes in as highly commended for its green car loan. It has no monthly fees, flexible repayment options and access to free redraw (for a minimum of $500).
Community First Bank's fixed green car loan has lower rates than many other car loans, but it comes with both an application fee and $10 monthly fee. As it's a fixed loan it also charges a fee if you repay early.
Community First Bank's fixed green car loan has lower rates than many other car loans, but it comes with both an application fee and $10 monthly fee. As it's a fixed loan it also charges a fee if you repay early.
Finder's Personal Loan and Car Loan Awards recognises market-leading personal and car loan products, using our proprietary ratings methodology. We compare over 250 products across more than 110 providers for personal loans and car loans respectively.
Our Personal and Car Loan Awards winners are based on research by our expert authors and insights team.
We researched hundreds of Australia's most popular personal and car loans from the biggest banks to the smallest online lenders.
Some winners may be partners but this never influences our decisions. All loans are based on a clear methodology and must meet editorial standards.
Piyush is an insights analyst at Finder and is responsible for developing the methodology for Finder's Product Awards. He holds an MBA from Macquarie University and a MSc in Banking and Finance from the University of London.
Richard Whitten is a money editor at Finder. He has been covering home loans, property and personal finance for the last 7 years.
Rebecca is a senior writer at Finder covering all things money. She has been writing about the home loan market in Australia for 5 years.
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