Compare Personal Loans NT 2026 - Best Rates from Top Lenders
Compare personal loan rates available to Northern Territory residents. Find secured, unsecured, fixed and variable loans from major banks and online lenders. Rates from 5.54% p.a.
Rates updated 5 September 2026
Estimated monthly savings $0
Estimated total savings $0
Based on a typical 10.11% p.a. vs our lowest 5.54% p.a. Actual savings depend on credit and loan details.
100% free. No impact on your credit score.
Where Northern Territory personal loan rates sit today
Held at 4.35% - 11 Aug 2026
Smallest market, fast approvals
5.64% comparison rate
The Northern Territory has Australia’s smallest personal loan market with a ~$15K median. Online lenders like Plenti and SocietyOne offer same-day funding from 6.99%, giving NT borrowers access to the same competitive rates as mainland capitals.
Best Personal Loan Rates in the NT
Northern Territory residents can access personal loans from national lenders and online providers. Monthly repayments shown are based on a $25,000 loan over 5 years. Rates current as of 20 May 2026.
| Lender | Product | Rate (p.a.) | Comparison Rate | Monthly ($25k/5yr) | Type | Features | Compare |
|---|---|---|---|---|---|---|---|
| BankWAW | Green Car Loan | 5.54% | 5.57% | $287 | Variable | ||
| Credit Union SA | Green Loan Secured | 5.64% | 5.64% | $287 | Fixed | Redraw | |
| Liberty Financial | Secured personal loan | 5.67% | 6.10% | $288 | Fixed | ||
| Westpac | Car Loan | 5.74% | 7.16% | $288 | Fixed | Digital banking | |
| NAB | NAB Car Loan | 5.99% | 7.55% | $290 | Fixed | ||
| ING | ING Personal Loan | 6.19% | 7.03% | $291 | Fixed | Digital banking | |
| WOOLWORTHS TEAM BANK | Electric Vehicle Loan | 6.19% | 6.63% | $291 | Variable | ||
| IMB Bank | New Car Loan | 6.24% | 6.59% | $292 | Fixed | Digital banking | |
| Bendigo Bank | Bendigo Secured Green Personal Loan | 6.24% | 6.61% | $292 | Fixed | Redraw | |
| Bank of us | RESIDENTIALLY SECURED PERSONAL LOAN | 6.29% | 6.57% | $292 | Variable | NPP, Redraw, Digital banking | |
| Bank Australia | Fixed Car Loan | 6.29% | 6.29% | $292 | Fixed | Digital banking, Redraw | |
| Liberty Financial | Unsecured personal loan | 6.30% | 6.30% | $292 | Fixed | ||
| Defence Bank Limited | New Car Loan | 6.39% | 7.17% | $293 | Variable | Redraw, Digital banking | |
| Defence Bank Limited | Used Car Loan | 6.39% | 7.17% | $293 | Variable | Redraw, Digital banking | |
| A-Auswide Bank | CAR LOAN | 6.48% | 7.19% | $293 | Fixed | Redraw | |
| Bank of us | Personal Loan | 6.49% | 6.77% | $293 | Variable | Redraw, Digital banking, NPP | |
| St. George Bank | Secured Fixed Personal Loan | 6.49% | 7.90% | $293 | Fixed | Digital banking | |
| Bank of Melbourne | Secured Fixed Personal Loan | 6.49% | 7.90% | $293 | Fixed | Digital banking | |
| BankSA | Secured Fixed Personal Loan | 6.49% | 7.90% | $293 | Fixed | Digital banking | |
| Westpac | Car Loan | 6.49% | 7.90% | $293 | Fixed | Digital banking |
Green Car Loan
5.57%
$287
Variable
Green Loan Secured
5.64%
$287
Fixed
Secured personal loan
6.10%
$288
Fixed
Car Loan
7.16%
$288
Fixed
NAB Car Loan
7.55%
$290
Fixed
ING Personal Loan
7.03%
$291
Fixed
Electric Vehicle Loan
6.63%
$291
Variable
New Car Loan
6.59%
$292
Fixed
Bendigo Secured Green Personal Loan
6.61%
$292
Fixed
RESIDENTIALLY SECURED PERSONAL LOAN
6.57%
$292
Variable
Fixed Car Loan
6.29%
$292
Fixed
Unsecured personal loan
6.30%
$292
Fixed
New Car Loan
7.17%
$293
Variable
Used Car Loan
7.17%
$293
Variable
CAR LOAN
7.19%
$293
Fixed
Personal Loan
6.77%
$293
Variable
Secured Fixed Personal Loan
7.90%
$293
Fixed
Secured Fixed Personal Loan
7.90%
$293
Fixed
Secured Fixed Personal Loan
7.90%
$293
Fixed
Car Loan
7.90%
$293
Fixed
Car Loan
7.90%
$293
Fixed
New Car Loan
6.93%
$293
Variable
Green Loan
6.49%
$293
Fixed
Education Community online-only Special Fixed Rate Personal Loan
6.69%
$295
Fixed
NAB Car Loan
8.29%
$295
Fixed
Secured Fixed Rate Car Loan
8.20%
$296
Fixed
Secured Fixed Rate Car Loan
8.20%
$296
Fixed
Secured Fixed Rate Car Loan
8.20%
$296
Fixed
Secured Fixed Rate Car Loan
8.20%
$296
Fixed
Secured Fixed Rate Car Loan
11.78%
$296
Fixed
Secured Fixed Rate Car Loan
11.78%
$296
Fixed
Secured Fixed Rate Car Loan
11.78%
$296
Fixed
Personal Loan
7.27%
$297
Variable
Green Loan Secured
7.34%
$297
Fixed
Education Community Special Fixed Rate Personal Loan
6.99%
$297
Fixed
Unsecured Fixed Personal Loan
8.41%
$297
Fixed
Unsecured Variable Personal Loan
8.41%
$297
Variable
Unsecured Variable Personal Loan
8.41%
$297
Variable
Unsecured Fixed Personal Loan
8.41%
$297
Fixed
Unsecured Variable Personal Loan
8.41%
$297
Variable
Unsecured Fixed Personal Loan
8.41%
$297
Fixed
Secured Personal Loan
7.59%
$299
Fixed
Unsecured Fixed Rate Personal Loan
8.30%
$299
Fixed
Unsecured Fixed Rate Personal Loan
8.30%
$299
Fixed
Unsecured Fixed Rate Personal Loan
8.30%
$299
Fixed
Unsecured Fixed Rate Personal Loan
8.30%
$299
Fixed
Unsecured Fixed Rate Personal Loan
10.48%
$299
Fixed
Unsecured Fixed Rate Personal Loan
10.48%
$299
Fixed
Unsecured Fixed Rate Personal Loan
10.48%
$299
Fixed
Unsecured Personal Loan
8.69%
$299
Fixed
Car Loan
7.50%
$299
Variable
Fixed Car Loan
7.50%
$299
Fixed
Green Loan Unsecured
7.29%
$299
Fixed
Small Green Loan
7.37%
$299
Variable
Personal Loan Secured
7.37%
$299
Variable
Personal Loan
7.77%
$300
Variable
Secured Fixed Rate Personal Loan
7.90%
$300
Fixed
Secured Fixed Rate Personal Loan
7.90%
$300
Fixed
Secured Fixed Rate Personal Loan
7.90%
$300
Fixed
Lifestyle Personal Loan
8.52%
$300
Variable
NAB Personal Loan
8.41%
$301
Fixed
NAB Personal Loan
8.41%
$301
Variable
Online-only Special Fixed Rate Personal Loan
8.18%
$302
Fixed
Brand New Vehicle Loan
8.30%
$302
Fixed
Unsecured Variable Rate Personal Loan
8.79%
$302
Variable
Personal Loan - Secured
8.04%
$303
Fixed
UNSECURED PERSONAL LOANS
8.49%
$303
Fixed
Used Car Loan
8.39%
$304
Variable
Special Fixed Rate Personal Loan
8.48%
$304
Fixed
Personal Loan Secured Other
8.27%
$306
Variable
Bendigo Green Unsecured Personal Loan
9.27%
$306
Fixed
Low doc car loan
8.29%
$306
Variable
Green Loan Unsecured
8.64%
$306
Fixed
Unsecured Fixed Rate Personal Loan
8.49%
$308
Fixed
Unsecured Fixed Rate Personal Loan
8.49%
$308
Fixed
Unsecured Fixed Rate Personal Loan
8.49%
$308
Fixed
PERSONAL
10.71%
$308
Variable
Secured Fixed Rate Car Loan
10.18%
$310
Fixed
Secured Fixed Rate Car Loan
10.18%
$310
Fixed
Secured Fixed Rate Car Loan
10.18%
$310
Fixed
Secured Fixed Rate Car Loan
10.18%
$310
Fixed
Secured Fixed Rate Car Loan
13.74%
$310
Fixed
Secured Fixed Rate Car Loan
13.74%
$310
Fixed
Secured Fixed Rate Car Loan
13.74%
$310
Fixed
UNSECURED PERSONAL LOANS
9.68%
$311
Fixed
Personal Loan
9.28%
$311
Variable
Flexible car loan
10.65%
$311
Variable
Car Loan Fixed 1-5 Years
9.12%
$311
Fixed
Education Community Fixed Rate Personal Loan
8.99%
$311
Fixed
Personal Loan
10.06%
$312
Variable
Unsecured Personal loan
9.60%
$313
Fixed
Personal Loan
10.53%
$315
Variable
Used Vehicle Loan
10.32%
$315
Fixed
Lifestyle Personal Loan
10.53%
$315
Variable
Bendigo Secured Student Personal Loan
9.70%
$315
Fixed
Bendigo Secured Personal Loan
10.26%
$315
Fixed
Fixed Rate Personal Loan
10.49%
$319
Fixed
Car Loan
11.66%
$321
Fixed
Secured Fixed Rate Car Loan
12.16%
$325
Fixed
Secured Fixed Rate Car Loan
12.16%
$325
Fixed
Secured Fixed Rate Car Loan
12.16%
$325
Fixed
Secured Fixed Rate Car Loan
12.16%
$325
Fixed
Secured Fixed Rate Car Loan
15.71%
$325
Fixed
Secured Fixed Rate Car Loan
15.71%
$325
Fixed
Secured Fixed Rate Car Loan
15.71%
$325
Fixed
Personal Loan
11.28%
$326
Variable
Personal Loan
11.28%
$326
Variable
PERSONAL
13.90%
$331
Variable
Bendigo Unsecured Student Personal Loan
11.74%
$332
Fixed
Personal Loan Variable
12.08%
$333
Variable
Personal Loan Unsecured
12.08%
$334
Variable
Fresh start car loan
15.06%
$337
Variable
Personal Loan Unsecured
15.58%
$337
Fixed
Education Community Variable Rate Personal Loan
12.60%
$338
Variable
NAB Car Loan
14.29%
$340
Fixed
Secured Fixed Personal Loan
14.34%
$341
Fixed
Secured Fixed Personal Loan
14.34%
$341
Fixed
Secured Fixed Personal Loan
14.34%
$341
Fixed
Car Loan
14.34%
$341
Fixed
NAB Car Loan
15.03%
$345
Fixed
Variable Rate Personal Loan
14.12%
$346
Variable
Consolidation Loan
14.93%
$349
Variable
Personal Secured Loan
16.65%
$352
Variable
Bendigo Unsecured Personal Loan
16.64%
$353
Fixed
Personal Loan - Unsecured
15.18%
$356
Fixed
Green Car Loan
7.58%
$357
Fixed
Green Car Loan
9.08%
$357
Fixed
Green Car Loan
12.59%
$357
Fixed
Green Car Loan
6.23%
$357
Fixed
Green Car Loan
10.58%
$357
Fixed
Green Car Loan
11.59%
$357
Fixed
Secured Fixed Car Loan
6.63%
$357
Fixed
Secured Fixed Car Loan
8.33%
$357
Fixed
Secured Fixed Car Loan
9.83%
$357
Fixed
Secured Fixed Car Loan
13.34%
$357
Fixed
Secured Fixed Car Loan
11.34%
$357
Fixed
Secured Fixed Car Loan
12.34%
$357
Fixed
Personal Unsecured Loan
17.66%
$360
Variable
Unsecured Fixed Rate Personal Loan
17.18%
$367
Fixed
Unsecured Fixed Rate Personal Loan
17.18%
$367
Fixed
Unsecured Fixed Rate Personal Loan
17.18%
$367
Fixed
Unsecured Fixed Rate Personal Loan
17.18%
$367
Fixed
Unsecured Fixed Rate Personal Loan
19.25%
$367
Fixed
Unsecured Fixed Rate Personal Loan
19.25%
$367
Fixed
Unsecured Fixed Rate Personal Loan
19.25%
$367
Fixed
Unsecured Variable Rate Personal Loan
17.68%
$371
Variable
Unsecured Green Personal Loan
6.49%
$373
Fixed
Unsecured Green Personal Loan
8.94%
$373
Fixed
Unsecured Green Personal Loan
12.44%
$373
Fixed
Unsecured Green Personal Loan
19.44%
$373
Fixed
Unsecured Green Personal Loan
16.44%
$373
Fixed
Unsecured Green Personal Loan
17.94%
$373
Fixed
Unsecured Fixed Personal Loan
9.69%
$373
Fixed
Unsecured Fixed Personal Loan
13.19%
$373
Fixed
Unsecured Fixed Personal Loan
20.19%
$373
Fixed
Unsecured Fixed Personal Loan
7.49%
$373
Fixed
Unsecured Fixed Personal Loan
17.19%
$373
Fixed
Unsecured Fixed Personal Loan
18.69%
$373
Fixed
Flexi Loan
18.99%
$389
Variable
ING Personal Loan
20.78%
$397
Fixed
Unsecured Fixed Personal Loan
23.28%
$414
Fixed
Unsecured Variable Personal Loan
23.28%
$414
Variable
Unsecured Variable Personal Loan
23.28%
$414
Variable
Unsecured Fixed Personal Loan
23.28%
$414
Fixed
Unsecured Variable Personal Loan
23.28%
$414
Variable
Unsecured Fixed Personal Loan
23.28%
$414
Fixed
NAB Personal Loan
22.29%
$414
Fixed
NAB Personal Loan
22.29%
$414
Variable
Unsecured Personal Loan
23.48%
$416
Fixed
Unsecured Fixed Rate Personal Loan
23.12%
$416
Fixed
Unsecured Fixed Rate Personal Loan
23.12%
$416
Fixed
Unsecured Fixed Rate Personal Loan
23.12%
$416
Fixed
Unsecured Fixed Rate Personal Loan
23.12%
$416
Fixed
Unsecured Fixed Rate Personal Loan
25.11%
$416
Fixed
Unsecured Fixed Rate Personal Loan
25.11%
$416
Fixed
Unsecured Fixed Rate Personal Loan
25.11%
$416
Fixed
Unsecured Variable Rate Personal Loan
23.62%
$421
Variable
Rates based on a $25,000 personal loan over 5 years. Comparison rates calculated on a $10,000 loan over 3 years per ASIC guidelines.
Savings example: On NT’s typical ~$15,000 personal loan over 5 years, cutting your rate by 2.50% saves about $19/month - around $1,100 over the life of the loan.
Consolidate debt and save up to $1,327/year
Personal loans from 5.54% p.a. across 20+ Australian lenders - much cheaper than the typical 20% credit card APR.
- Consolidate credit card debt to a single lower payment
- Borrow $5,000 to $80,000 from 5.54% p.a.
- We refer your enquiry to our accredited broker partner
*Illustrative only. Based on consolidating $15,000 of credit card debt at 20% p.a. (typical Australian credit card APR) into a personal loan at 5.54% p.a. over 5 years. Actual savings depend on your debt balance, interest rates, loan term and approved rate.
Personal Loan Calculators for Northern Territory
Estimate repayments and potential debt consolidation savings on a typical NT personal loan before you apply.
NT Personal Loan Repayment Calculator
Calculate monthly, fortnightly or weekly repayments and total interest paid on a typical NT personal loan.
Repayment
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Total interest
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Illustrative only, not an offer or quote.
NT Debt Consolidation Calculator
See indicative figures on consolidating multiple debts into a single personal loan for NT borrowers.
Current monthly payment
$0
New monthly payment
$0
Monthly savings
$0
Total interest savings
$0
Illustrative only, not an offer or quote.
We compare Australia's leading personal loan lenders
(to save you the run-around)
Compare NT personal loan rates side by side.
Whether it's a renovation, wedding, debt consolidation or something else, the gap between NT personal loan rates can mean thousands. Compare 20+ Australian lenders in minutes.
Personal Loans in the NT
The Northern Territory has a median household income of approximately $100,000, supported by mining, defence and government sectors. Darwin's higher cost of living is offset by remote area allowances and zone tax offsets for many workers. Personal loans are commonly used for 4WD and vehicle purchases essential for Territory driving, boat and recreational equipment, home improvements including cyclone-proofing, and debt consolidation.
NT at a glance
- Median household income
- ~$100,000
- Population
- 250,000
- Average personal loan
- $15,000-$35,000
- Top loan purposes
- 4WDs, boats, cyclone-proofing
NT borrowing tips
- Online lenders provide the same rates regardless of NT location
- Remote area allowances boost your borrowing capacity
- Secured vehicle loans offer lower rates for 4WD purchases
- Cyclone-proofing loans can reduce insurance premiums
Types of Personal Loans in NT
Backed by an asset (e.g. car, boat). Lower rates from 5.54%.
No asset required. Assessed on income and credit.
Rate locked for the full term. Predictable repayments.
Rate can change. Flexibility for extra repayments.
Combine multiple debts into one manageable loan.
Debt consolidation lever for the NT: Rolling $15,000 of credit-card debt at ~22% p.a. into a 5.54% personal loan over 5 years cuts your interest bill by roughly $2,100/year - and replaces multiple Darwin-tempo minimum payments with a single fixed repayment.
Secured vs Unsecured Personal Loans: Which Should You Choose?
In 2026, secured personal loan rates start from 5.64% p.a. (5.64% comparison rate) while unsecured rates start from 5.54% p.a. (5.57% comparison rate) Secured loans use an asset (typically a car) as collateral, resulting in lower rates but risk of repossession. Unsecured loans offer flexibility with no asset at risk, but at higher rates.
Choose secured if…
- You are buying a car or asset
- You want the lowest possible rate
- You are comfortable with collateral
Choose unsecured if…
- You have no asset to offer as security
- You want flexibility on how funds are used
- You do not want to risk asset repossession
Choose line of credit if…
- You need ongoing access to funds
- You only want to pay interest on what you use
- You have strong spending discipline
Secured loan tip: Backing your loan with an asset (typically a car or term deposit) can cut 2-3 percentage points off your rate. On a $15,000 loan, moving to a secured loan ~2.5% lower saves roughly $2,160 over 5 years - worth it if you have an eligible asset and are comfortable offering it as security.
Frequently Asked Questions
Everything you need to know about personal loans in the Northern Territory.
Compare Personal Loans in Other States
Rates shown are indicative and sourced from lender websites. Actual rates depend on your credit profile, loan amount and term. Comparison rates are based on a $10,000 unsecured loan over 3 years as per ASIC guidelines. This information is general in nature and does not constitute financial advice. "Lowest" = the lowest rate on our live CDR feed at the time of viewing, across the lenders we display. Rates update daily and not all lenders are included, so other products may be lower. Source: Consumer Data Right (CDR), lender websites. Last updated: 5 September 2026. Warning: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
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