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What different scores mean
9+
Excellent
The crème de la crème of personal loans. These products offer the lowest cost loans accompanied by the best features.
7+
Great
Slightly higher in cost and fewer features, but these products are still competitive.
5+
Standard
Typically offering above average rates and possibly lacking in the features department.
0+
Basic
The least competitive in terms of both cost and features.
The lowdown on Finder Score
Wondering how we work out Finder Score? We look at 300+ personal loan products across 120+ lenders and we compare them against each other to get our simple score out of 10. Metrics like interest rates, fees and features are weighted and scaled to come up with individual Finder Scores.
To give a fair and true comparison, unsecured and secured personal loan products are scored separately. We then make assumptions on the interest rates charged for both excellent credit and average credit customers in each segment.
The Finder Score methodology is designed by our awesome insights team and reviewed by our just-as-awesome editorial team. Don't worry, commercial partners carry no weight and all products are reviewed objectively.
Finder Scores explained
- 9+ Excellent - The crème de la crème of personal loans. These products offer the lowest cost loans accompanied by the best features.
- 7+ Great - Slightly higher in cost and fewer features, but these products are still competitive.
- 5+ Satisfactory - Typically offering above average rates and possibly lacking in the features department.
- Less than 5 – Basic - The least competitive in terms of both cost and features.
More guides on Finder
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Secured Personal Loans
Are secured personal loans better than unsecured personal loans and how do they work?
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How much can I borrow with a personal loan?
Personal loans offer a range of loan amounts to suit different purposes and budgets. Here's how to get the loan amount you need.
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Joint Personal Loans
If you're wanting to bolster your application, buy an asset with your partner or apply for a loan you're not eligible for by yourself, you can consider a joint application personal loan.
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Personal loans for temporary residents
Temporary Australian residents may be eligible to apply for personal loans, depending on the visa they hold.
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Easy personal loans
Not all personal loans come with endless documentation. Some lenders specialise in quick and easy application processes.
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Unsecured personal loans in Australia
Compare unsecured personal loans from some of Australia's top lenders. Find the best deal on rates, fees and features in seconds.
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Personal loan calculator
Use a personal loan calculator to work out your repayments or compare loans with a comparison calculator.
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Holiday loans
Compare a range of lenders that can offer you competitive rates on holiday loans.
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Fixed rate personal loans from 5.76% p.a.
We’ve written about fixed rate personal loans and what their advantages are.
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Low interest personal loans that’ll peak your… interest
Find a low interest loan by comparing your options with Finder. See interest rates, fees, and features for loans across Australia, plus guides to help you get the best deal.