Compare Personal Loans SA 2026 - Best Rates from Top Lenders

Q: What is the best personal loan rate in South Australia in 2026?

The best personal loan rates for SA borrowers in 2026 start from 6.99% p.a. (6.99% comparison rate) for secured loans (Plenti) and 7.49% p.a. (7.49% comparison rate) for unsecured loans (SocietyOne). Adelaide-headquartered Beyond Bank offers rates from 7.69% (7.69% comparison rate) with B Corp ethical certification. Major banks typically price personal loans a couple of percentage points above the lowest online lenders on our panel. Your actual rate depends on credit score, income and loan type.

Q: How much can I borrow with a personal loan in South Australia?

Most lenders offer SA borrowers personal loans from $2,000 to $75,000. South Australia's median household income is approximately $90,000. Adelaide's significantly lower cost of living compared to Sydney and Melbourne means SA borrowers often have stronger borrowing capacity relative to income. A household earning $90,000 with minimal debts could typically borrow $18,000-$40,000.

Q: Are there SA-specific lenders for personal loans?

Yes, Beyond Bank is headquartered in Adelaide and offers personal loan rates from 7.69% (7.69% comparison rate) with a focus on ethical lending (B Corp certified). Other lenders with strong SA presence include People's Choice Credit Union and Adelaide Bank. These local institutions often provide personalised service and understand the SA market alongside competitive rates from national lenders.

Q: What are common personal loan uses in Adelaide?

Common purposes in SA include vehicle purchases, home renovations (particularly popular given Adelaide's older housing stock in inner suburbs), debt consolidation, medical expenses, and wedding costs. Adelaide's affordable housing market means many residents invest in renovations rather than moving. Car loans are also popular as Adelaide relies heavily on cars for transport.

Q: How does Adelaide's lower cost of living help with personal loans?

Adelaide's lower cost of living directly benefits personal loan applications. Lenders assess your expenses using the Household Expenditure Measure (HEM) or your declared expenses. Lower Adelaide rent, transport and food costs mean more disposable income on paper, which can increase your borrowing capacity by $5,000-$10,000 compared to Sydney or Melbourne borrowers with the same income.

Q: Can I get a same-day personal loan in Adelaide?

Yes, online lenders like Plenti and SocietyOne offer same-day approval and funding for SA borrowers who apply early with complete documentation. Beyond Bank also offers competitive turnaround from their Adelaide offices. Major bank branches in Adelaide CBD can sometimes expedite in-person applications. Weekend and after-hours applications are processed next business day.

Q: What credit score do I need for a personal loan in SA?

Most mainstream lenders require a credit score above 600 (Equifax scale). Scores above 700 access competitive rates from Beyond Bank and major banks. Above 800 qualifies for the best rates from ${lowestCategoryRate.toFixed(2)}% (${lowestCategoryPair.comparisonRate.toFixed(2)}% comparison rate). Specialist lenders like Pepper Money accept scores of 500-600 at higher rates. South Australians can check their credit score free through Equifax or Illion before applying.

Q: Can I use a personal loan for home renovations in Adelaide?

Yes, personal loans are commonly used for Adelaide home renovations under $50,000. Popular projects include kitchen and bathroom upgrades, outdoor entertaining areas (given Adelaide's climate), and adding energy-efficient features. SA's lower renovation costs compared to Sydney and Melbourne mean your loan goes further. For larger renovations, consider a home equity loan.

Compare personal loan rates available to South Australia residents. Find secured, unsecured, fixed and variable loans from Beyond Bank, major banks and online lenders. Rates from 5.60% p.a. (6.65% comparison rate*)

Rates updated 2 November 2026

Loan purpose

Loan term

Loan amount

100% free. No impact on your credit score.

Compare personal loan rates South Australia

Where South Australia personal loan rates sit today

Rates rising

4.60%

RBA Cash Rate

Up from 4.35% - 29 Sept 2026

$20K

Median Loan Size

Adelaide affordability advantage

From 6.20%

Lowest Secured Rate

6.63% comparison rate

SA’s lower cost of living means Adelaide borrowers often have stronger borrowing capacity relative to income. With a $20K median loan size and Adelaide-headquartered Beyond Bank offering ethical rates from 7.69% (7.69% comparison rate*), SA has competitive options alongside national online lenders.

Rates from 5.60% p.a. (6.65% comparison rate*) Loans $2,000-$75,000 Lower cost of living advantage Free comparison

Best Personal Loan Rates in South Australia

South Australia residents can access personal loans from SA-based lenders and national providers. Monthly repayments shown are based on a $25,000 loan over 5 years. Rates current as of 11 September 2026.

Lender	Product	Rate (p.a.)	Comparison Rate	Monthly ($25k/5yr)	Type	Features
UNITY BANK	Community Support Loan	5.60%	6.65%	$383	Variable	Redraw, PayID, NPP
ING	ING Personal Loan	6.19%	7.03%	$388	Fixed	Digital banking
Liberty	Secured personal loan	6.20%	6.63%	$389	Fixed
Bank of us	RESIDENTIALLY SECURED PERSONAL LOAN	6.29%	6.57%	$389	Variable	NPP, Redraw, Digital banking
Bank of us	Personal Loan	6.49%	6.77%	$391	Variable	Redraw, Digital banking, NPP
St. George Bank	Secured Fixed Personal Loan	6.49%	7.90%	$391	Fixed	Digital banking
Bank of Melbourne	Secured Fixed Personal Loan	6.49%	7.90%	$391	Fixed	Digital banking
BankSA	Secured Fixed Personal Loan	6.49%	7.90%	$391	Fixed	Digital banking
QBANK	Personal Loan	6.74%	7.37%	$394	Variable
Greater Bank	Secured Personal Loan	6.78%	7.17%	$394	Fixed	Digital banking, Redraw
HORIZON BANK	Personal Saving Freeze	6.79%	7.00%	$394	Variable	Redraw, Digital banking, NPP
HORIZON BANK	Personal Mortgage Sec.	6.79%	9.07%	$394	Variable	Redraw, Digital banking, NPP
Liberty	Unsecured personal loan	6.89%	6.89%	$395	Fixed
Credit Union SA	Education Community online-only Special Fixed Rate Personal Loan	6.94%	6.94%	$395	Fixed	Redraw
Bank of us	Personal Loan	6.99%	7.27%	$396	Variable	Redraw, Digital banking, NPP
CommBank	Unsecured Variable Rate Personal Loan	6.99%	8.40%	$396	Variable	Digital banking, Redraw
Health Professionals Bank	Fixed Rate All Purpose Personal Loan	6.99%	7.20%	$396	Fixed	Digital banking
Health Professionals Bank	Fixed Rate All Purpose Personal Loan	6.99%	7.20%	$396	Fixed	Digital banking
Health Professionals Bank	Fixed Rate All Purpose Personal Loan	6.99%	7.20%	$396	Fixed	Digital banking
Health Professionals Bank	Fixed Rate All Purpose Personal Loan	6.99%	7.20%	$396	Fixed	Digital banking
Health Professionals Bank	Fixed Rate All Purpose Personal Loan	6.99%	7.20%	$396	Fixed	Digital banking
UniBank	Fixed Rate All Purpose Personal Loan	6.99%	7.20%	$396	Fixed	Digital banking
UniBank	Fixed Rate All Purpose Personal Loan	6.99%	7.20%	$396	Fixed	Digital banking
UniBank	Fixed Rate All Purpose Personal Loan	6.99%	7.20%	$396	Fixed	Digital banking
UniBank	Fixed Rate All Purpose Personal Loan	6.99%	7.20%	$396	Fixed	Digital banking
UniBank	Fixed Rate All Purpose Personal Loan	6.99%	7.20%	$396	Fixed	Digital banking
Police Bank	Police Student Personal Loan (eligible occupations only)	6.99%	6.30%	$396	Fixed
IMB Bank	Secured Personal Loan	6.99%	7.34%	$396	Fixed	Digital banking
Teachers Mutual Bank	Fixed Rate All Purpose Personal Loan	6.99%	7.20%	$396	Fixed	Digital banking
Teachers Mutual Bank	Fixed Rate All Purpose Personal Loan	6.99%	7.20%	$396	Fixed	Digital banking
Teachers Mutual Bank	Fixed Rate All Purpose Personal Loan	6.99%	7.20%	$396	Fixed	Digital banking
Teachers Mutual Bank	Fixed Rate All Purpose Personal Loan	6.99%	7.20%	$396	Fixed	Digital banking
Teachers Mutual Bank	Fixed Rate All Purpose Personal Loan	6.99%	7.20%	$396	Fixed	Digital banking
Firefighters Mutual Bank	Fixed Rate All Purpose Personal Loan	6.99%	7.20%	$396	Fixed	Digital banking
Firefighters Mutual Bank	Fixed Rate All Purpose Personal Loan	6.99%	7.20%	$396	Fixed	Digital banking
Firefighters Mutual Bank	Fixed Rate All Purpose Personal Loan	6.99%	7.20%	$396	Fixed	Digital banking
Firefighters Mutual Bank	Fixed Rate All Purpose Personal Loan	6.99%	7.20%	$396	Fixed	Digital banking
Firefighters Mutual Bank	Fixed Rate All Purpose Personal Loan	6.99%	7.20%	$396	Fixed	Digital banking
St. George Bank	Unsecured Variable Personal Loan	7.00%	8.41%	$396	Variable	Digital banking, Redraw
St. George Bank	Unsecured Fixed Personal Loan	7.00%	8.41%	$396	Fixed	Digital banking
Bank of Melbourne	Unsecured Variable Personal Loan	7.00%	8.41%	$396	Variable	Digital banking, Redraw
Bank of Melbourne	Unsecured Fixed Personal Loan	7.00%	8.41%	$396	Fixed	Digital banking
BankSA	Unsecured Fixed Personal Loan	7.00%	8.41%	$396	Fixed	Digital banking
BankSA	Unsecured Variable Personal Loan	7.00%	8.41%	$396	Variable	Digital banking, Redraw
TRANSPORT MUTUAL CREDIT UNION LTD	GREENROAD	7.14%	7.45%	$397	Variable	Redraw
CENTRAL WEST CREDIT UNION LTD	Set-Off Loan	7.15%	7.36%	$397	Variable	Digital banking, Redraw
POLICE CREDIT UNION LIMITED	Fixed Rate Personal Loan	7.24%	7.65%	$398	Fixed	Digital banking, NPP, PayID, Redraw
POLICE CREDIT UNION LIMITED	Fixed Rate Personal Loan	7.24%	7.24%	$398	Variable	Digital banking, NPP, PayID, Redraw
QBANK	Personal Loan	7.24%	7.87%	$398	Variable
Credit Union SA	Education Community Special Fixed Rate Personal Loan	7.24%	7.24%	$398	Fixed	Redraw
CommBank	Unsecured Fixed Rate Personal Loan	7.25%	8.65%	$398	Fixed	Digital banking
CommBank	Unsecured Fixed Rate Personal Loan	7.25%	8.65%	$398	Fixed	Digital banking
CommBank	Unsecured Fixed Rate Personal Loan	7.25%	8.65%	$398	Fixed	Digital banking
CommBank	Unsecured Fixed Rate Personal Loan	7.25%	8.65%	$398	Fixed	Digital banking
CommBank	Unsecured Fixed Rate Personal Loan	7.25%	12.23%	$398	Fixed	Digital banking
CommBank	Unsecured Fixed Rate Personal Loan	7.25%	12.23%	$398	Fixed	Digital banking
CommBank	Unsecured Fixed Rate Personal Loan	7.25%	12.23%	$398	Fixed	Digital banking
Westpac	Unsecured Personal Loan	7.29%	8.69%	$399	Fixed	Digital banking
Cairns Bank	Personal Loan - Secured (residential)	7.34%	8.21%	$399	Variable
Regional Australia Bank	Enviro Loan	7.45%	8.79%	$400	Variable	Redraw, Digital banking
Bank of us	Personal Loan	7.49%	7.77%	$401	Variable	Redraw, Digital banking, NPP
ANZ	ANZ Variable Rate Personal Loan	7.49%	8.18%	$401	Variable	Digital banking, Redraw
ANZ	ANZ Fixed Rate Personal Loan	7.49%	8.18%	$401	Fixed	Digital banking
NAB	NAB Personal Loan	7.50%	8.41%	$401	Fixed	Redraw, Digital banking
NAB	NAB Personal Loan	7.50%	8.41%	$401	Variable	Redraw, Digital banking
BankWAW	Personal Loan Secured	7.59%	7.62%	$402	Variable
Unknown lender	Personal Loan - Secured	7.79%	8.04%	$404	Fixed	Redraw
A-Auswide Bank	UNSECURED PERSONAL LOANS	7.79%	8.49%	$404	Fixed	Redraw, NPP, PayID
Credit Union SA	Online-only Special Fixed Rate Personal Loan	7.94%	8.43%	$405	Fixed	Redraw
UNITY BANK	Diamond Fair Rate Personal Loan Varibale P&I	7.99%	8.00%	$405	Variable	Redraw, PayID, NPP, Digital banking
Police Bank	Police Student Personal Loan (eligible occupations only)	7.99%	7.20%	$405	Fixed
Police Bank	Police Student Personal Loan (eligible occupations only)	7.99%	7.20%	$405	Variable
FIRST OPTION BANK	VIP PERSONAL LOAN	7.99%	8.24%	$405	Variable	Digital banking, Redraw
Cairns Bank	Personal Loan - Secured PPSR	8.00%	8.87%	$406	Variable
SCCU	SECURED PERSONAL LOAN	8.24%	9.15%	$408	Fixed
SCCU	SECURED PERSONAL LOAN	8.24%	9.15%	$408	Fixed
SCCU	SECURED PERSONAL LOAN	8.24%	9.15%	$408	Fixed
SCCU	SECURED PERSONAL LOAN	8.24%	9.15%	$408	Fixed
SCCU	SECURED PERSONAL LOAN	8.24%	9.15%	$408	Fixed
SCCU	EMONEY SECURED PERSONAL LOAN	8.24%	9.15%	$408	Fixed	Digital banking, Redraw
SCCU	EMONEY SECURED PERSONAL LOAN	8.24%	9.15%	$408	Fixed	Digital banking, Redraw
SCCU	EMONEY SECURED PERSONAL LOAN	8.24%	9.15%	$408	Fixed	Digital banking, Redraw
SCCU	EMONEY SECURED PERSONAL LOAN	8.24%	9.15%	$408	Fixed	Digital banking, Redraw
SCCU	EMONEY SECURED PERSONAL LOAN	8.24%	9.15%	$408	Fixed	Digital banking, Redraw
SCCU	LJ HOOKER SECURED PERSONAL LOAN	8.24%	9.15%	$408	Fixed	Digital banking, Redraw
SCCU	LJ HOOKER SECURED PERSONAL LOAN	8.24%	9.15%	$408	Fixed	Digital banking, Redraw
SCCU	LJ HOOKER SECURED PERSONAL LOAN	8.24%	9.15%	$408	Fixed	Digital banking, Redraw
SCCU	LJ HOOKER SECURED PERSONAL LOAN	8.24%	9.15%	$408	Fixed	Digital banking, Redraw
SCCU	LJ HOOKER SECURED PERSONAL LOAN	8.24%	9.15%	$408	Fixed	Digital banking, Redraw
Credit Union SA	Special Fixed Rate Personal Loan	8.24%	8.73%	$408	Fixed	Redraw
BankWAW	Personal Loan Secured Other	8.49%	8.52%	$410	Variable
Alex.Bank	Secured Fixed Rate Personal Loan	8.49%	8.91%	$410	Fixed
Alex.Bank	Secured Fixed Rate Personal Loan	8.49%	8.91%	$410	Fixed
Alex.Bank	Secured Fixed Rate Personal Loan	8.49%	8.91%	$410	Fixed
WOOLWORTHS TEAM BANK	PERSONAL	8.49%	10.71%	$410	Variable
HUME BANK LIMITED	Secured Personal Loan	8.49%	8.70%	$410	Fixed	Redraw, Digital banking
HUME BANK LIMITED	Commercially Secured Personal Loan	8.49%	8.70%	$410	Fixed	Redraw, Digital banking
HUME BANK LIMITED	Investment Secured Personal Loan	8.49%	8.70%	$410	Fixed	Redraw, Digital banking
AMB Bank Product	Personal Loan	8.95%	9.85%	$415	Fixed
A-Auswide Bank	UNSECURED PERSONAL LOANS	8.98%	9.68%	$415	Fixed	Redraw, NPP, PayID
Bank of us	Personal Loan	8.99%	9.28%	$415	Variable	Redraw, Digital banking, NPP
Newcastle Permanent	Unsecured Personal loan	8.99%	9.35%	$415	Fixed	Digital banking
Greater Bank	Unsecured Personal Loan	8.99%	9.39%	$415	Fixed	Redraw, Digital banking
FIRST OPTION BANK	BEGREEN LOAN	8.99%	8.24%	$415	Variable	Digital banking, Redraw
Alex.Bank	Unsecured Fixed Rate Personal Loan	8.99%	8.99%	$415	Fixed
Alex.Bank	Unsecured Fixed Rate Personal Loan	8.99%	8.99%	$415	Fixed
Alex.Bank	Unsecured Fixed Rate Personal Loan	8.99%	8.99%	$415	Fixed
Defence Bank Limited	Personal Loan	9.09%	10.06%	$416	Variable	Redraw, Digital banking
QBANK	Personal Loan	9.24%	9.86%	$418	Variable
IMB Bank	Unsecured Personal loan	9.24%	9.60%	$418	Fixed	Digital banking
Credit Union SA	Education Community Fixed Rate Personal Loan	9.24%	9.24%	$418	Fixed	Redraw
MACARTHUR CREDIT UNION LTD	SECURED PERSONAL FIXED	9.49%	9.87%	$420	Fixed	Redraw, Digital banking, PayID, NPP
Qudos Bank	Personal Loan	9.49%	10.53%	$420	Variable
Bank Australia	Lifestyle Personal Loan	9.49%	10.53%	$420	Variable	Digital banking
CENTRAL WEST CREDIT UNION LTD	Premium Personal Loan	9.50%	10.52%	$420	Variable	Digital banking
LCU	New Cars	9.50%	9.79%	$420	Variable	Redraw, Digital banking, NPP, PayID
Cairns Bank	Personal Loan - Unsecured	9.50%	12.59%	$420	Variable
Bendigo Bank	Bendigo Secured Personal Loan	9.54%	10.26%	$420	Fixed	Redraw
Bendigo Bank	Bendigo Secured Student Personal Loan	9.54%	9.70%	$420	Fixed	Redraw
Bank First Production	Personal Loan Personal Lending 1-5 Years Fixed Unsecured	9.64%	11.00%	$421	Fixed	Redraw, PayID, Digital banking
Bank First Production	Personal Loan Personal Lending Variable Unsecured	9.64%	11.00%	$421	Variable	PayID, Digital banking, Redraw
SCCU	UNSECURED PERSONAL LOAN	9.64%	10.56%	$421	Fixed
SCCU	UNSECURED PERSONAL LOAN	9.64%	10.56%	$421	Fixed
SCCU	UNSECURED PERSONAL LOAN	9.64%	10.56%	$421	Fixed
SCCU	UNSECURED PERSONAL LOAN	9.64%	10.56%	$421	Fixed
SCCU	UNSECURED PERSONAL LOAN	9.64%	10.56%	$421	Fixed
SCCU	EMONEY UNSECURED PERSONAL LOAN	9.64%	10.56%	$421	Fixed	Digital banking, Redraw
SCCU	EMONEY UNSECURED PERSONAL LOAN	9.64%	10.56%	$421	Fixed	Digital banking, Redraw
SCCU	EMONEY UNSECURED PERSONAL LOAN	9.64%	10.56%	$421	Fixed	Digital banking, Redraw
SCCU	EMONEY UNSECURED PERSONAL LOAN	9.64%	10.56%	$421	Fixed	Digital banking, Redraw
SCCU	EMONEY UNSECURED PERSONAL LOAN	9.64%	10.56%	$421	Fixed	Digital banking, Redraw
SCCU	LJ HOOKER UNSECURED PERSONAL LOAN	9.64%	10.56%	$421	Fixed	Digital banking, Redraw
SCCU	LJ HOOKER UNSECURED PERSONAL LOAN	9.64%	10.56%	$421	Fixed	Digital banking, Redraw
SCCU	LJ HOOKER UNSECURED PERSONAL LOAN	9.64%	10.56%	$421	Fixed	Digital banking, Redraw
SCCU	LJ HOOKER UNSECURED PERSONAL LOAN	9.64%	10.56%	$421	Fixed	Digital banking, Redraw
SCCU	LJ HOOKER UNSECURED PERSONAL LOAN	9.64%	10.56%	$421	Fixed	Digital banking, Redraw
HORIZON BANK	Budget Personal Loan	9.99%	10.13%	$425	Variable	Redraw, Digital banking, NPP
UNITY BANK	Emerald Fair Rate Personal Loan Variable P&I	9.99%	10.00%	$425	Variable	Redraw, PayID, NPP, Digital banking
Police Bank	Personal Loan	9.99%	10.13%	$425	Variable	Redraw
Border Bank	Personal Loan	9.99%	10.13%	$425	Variable	Redraw, NPP, Digital wallet, PayID, Digital banking
Credit Union SA	Fixed Rate Personal Loan	10.24%	10.74%	$427	Fixed	Redraw
Regional Australia Bank	Personal Touch Loan	10.49%	11.85%	$430	Variable	Digital banking, Redraw
CENTRAL WEST CREDIT UNION LTD	Personal Loan	10.50%	11.53%	$430	Variable	Digital banking, Redraw
LCU	Used Cars	10.50%	10.79%	$430	Variable	Redraw, Digital banking, NPP, PayID
Community First Credit Union	Personal Loan - Fixed	10.74%	11.76%	$432	Fixed	Digital banking, Redraw
Community First Credit Union	Personal Loan	10.74%	11.76%	$432	Variable	Digital banking, Redraw
LCU	Home Renovation Loan	10.85%	11.14%	$433	Variable	Redraw, Digital banking, NPP, PayID
ORANGE CREDIT UNION LTD	Secured Personal Loan	10.89%	11.27%	$434	Variable	Redraw
THE CAPRICORNIAN	Personal Loans	10.94%	11.30%	$434	Variable	PayID, NPP, Redraw, Digital banking
Bank of us	Personal Loan	10.99%	11.28%	$435	Variable	Redraw, Digital banking, NPP
Bank of us	Personal Loan	10.99%	11.28%	$435	Variable	Redraw, Digital banking, NPP
UNITY BANK	Sapphire Fair Rate Personal Loan Variable P&I	10.99%	11.00%	$435	Variable	Redraw, PayID, NPP, Digital banking
QBANK	Personal Loan	11.24%	11.86%	$437	Variable
Arab Bank Australia Ltd Prod	Personal Loan	11.30%	12.32%	$438	Fixed	Digital banking
TRANSPORT MUTUAL CREDIT UNION LTD	UNSECURED LOAN	11.39%	11.71%	$439	Variable	Redraw
RACQ Bank	Unsecured Personal Loan	11.49%	11.67%	$440	Variable	NPP, Digital banking
RACQ Bank	Unsecured Personal Loan	11.49%	11.67%	$440	Variable	NPP, Digital banking
RACQ Bank	Unsecured Personal Loan	11.49%	11.67%	$440	Variable	NPP, Digital banking
RACQ Bank	Unsecured Personal Loan	11.49%	11.67%	$440	Variable	Digital banking, NPP
TRANSPORT MUTUAL CREDIT UNION LTD	TRAVEL LOAN	11.64%	12.21%	$441	Fixed	Redraw
WOOLWORTHS TEAM BANK	PERSONAL	11.64%	13.90%	$441	Variable
SCCU	UNSECURED PERSONAL LOAN	11.64%	12.54%	$441	Fixed
SCCU	UNSECURED PERSONAL LOAN	11.64%	12.54%	$441	Fixed
SCCU	UNSECURED PERSONAL LOAN	11.64%	12.54%	$441	Fixed
SCCU	UNSECURED PERSONAL LOAN	11.64%	12.54%	$441	Fixed
SCCU	UNSECURED PERSONAL LOAN	11.64%	12.54%	$441	Fixed
SCCU	EMONEY UNSECURED PERSONAL LOAN	11.64%	12.54%	$441	Fixed	Digital banking, Redraw
SCCU	EMONEY UNSECURED PERSONAL LOAN	11.64%	12.54%	$441	Fixed	Digital banking, Redraw
SCCU	EMONEY UNSECURED PERSONAL LOAN	11.64%	12.54%	$441	Fixed	Digital banking, Redraw
SCCU	EMONEY UNSECURED PERSONAL LOAN	11.64%	12.54%	$441	Fixed	Digital banking, Redraw
SCCU	EMONEY UNSECURED PERSONAL LOAN	11.64%	12.54%	$441	Fixed	Digital banking, Redraw
SCCU	LJ HOOKER UNSECURED PERSONAL LOAN	11.64%	12.54%	$441	Fixed	Digital banking, Redraw
SCCU	LJ HOOKER UNSECURED PERSONAL LOAN	11.64%	12.54%	$441	Fixed	Digital banking, Redraw
SCCU	LJ HOOKER UNSECURED PERSONAL LOAN	11.64%	12.54%	$441	Fixed	Digital banking, Redraw
SCCU	LJ HOOKER UNSECURED PERSONAL LOAN	11.64%	12.54%	$441	Fixed	Digital banking, Redraw
SCCU	LJ HOOKER UNSECURED PERSONAL LOAN	11.64%	12.54%	$441	Fixed	Digital banking, Redraw
Bendigo Bank	Bendigo Unsecured Student Personal Loan	11.74%	11.74%	$442	Fixed	Redraw
BankVic	Personal Loan Variable	11.95%	12.08%	$444	Variable	NPP, PayID
Health Professionals Bank	All Purpose Personal Loan	11.99%	12.14%	$445	Variable	Redraw, Digital banking
UniBank	All Purpose Personal Loan	11.99%	12.14%	$445	Variable	Redraw, Digital banking
Teachers Mutual Bank	All Purpose Personal Loan	11.99%	12.14%	$445	Variable	Redraw, Digital banking
Firefighters Mutual Bank	All Purpose Personal Loan	11.99%	12.14%	$445	Variable	Redraw, Digital banking
TRANSPORT MUTUAL CREDIT UNION LTD	CREDIT CARD CRUSHER	12.14%	12.46%	$446	Variable	Redraw
BankWAW	Personal Loan Unsecured	12.29%	12.33%	$448	Variable
NORTHERN INLAND CREDIT UNION LTD.	Personal Loan Unsecured	12.49%	15.58%	$450	Fixed	Redraw, Digital banking
HUME BANK LIMITED	Unsecured Personal Loan	12.49%	12.71%	$450	Fixed	Redraw, Digital banking
Credit Union SA	Education Community Variable Rate Personal Loan	12.60%	12.60%	$451	Variable	Redraw
St. George Bank	Secured Fixed Personal Loan	12.99%	14.34%	$455	Fixed	Digital banking
Bank of Melbourne	Secured Fixed Personal Loan	12.99%	14.34%	$455	Fixed	Digital banking
UNITY BANK	Ruby Fair Rate Personal Loan Variable P&I	12.99%	13.01%	$455	Variable	Redraw, PayID, NPP, Digital banking
Police Bank	Personal Loan	12.99%	13.14%	$455	Fixed	Redraw
BankSA	Secured Fixed Personal Loan	12.99%	14.34%	$455	Fixed	Digital banking
Border Bank	Personal Loan	12.99%	13.14%	$455	Fixed	Redraw, NPP, Digital wallet, PayID, Digital banking
RACQ Bank	Debt Consolidation Loan	12.99%	13.17%	$455	Variable	NPP, Digital banking
QBANK	Personal Loan	13.24%	13.86%	$458	Variable
QBANK	Personal Loan	13.24%	13.86%	$458	Variable
Credit Union SA	Variable Rate Personal Loan	13.60%	14.12%	$461	Variable	Redraw
SCCU	UNSECURED PERSONAL LOAN	13.64%	14.53%	$462	Fixed
SCCU	UNSECURED PERSONAL LOAN	13.64%	14.53%	$462	Fixed
SCCU	UNSECURED PERSONAL LOAN	13.64%	14.53%	$462	Fixed
SCCU	UNSECURED PERSONAL LOAN	13.64%	14.53%	$462	Fixed
SCCU	UNSECURED PERSONAL LOAN	13.64%	14.53%	$462	Fixed
SCCU	EMONEY UNSECURED PERSONAL LOAN	13.64%	14.53%	$462	Fixed	Digital banking, Redraw
SCCU	EMONEY UNSECURED PERSONAL LOAN	13.64%	14.53%	$462	Fixed	Digital banking, Redraw
SCCU	EMONEY UNSECURED PERSONAL LOAN	13.64%	14.53%	$462	Fixed	Digital banking, Redraw
SCCU	EMONEY UNSECURED PERSONAL LOAN	13.64%	14.53%	$462	Fixed	Digital banking, Redraw
SCCU	EMONEY UNSECURED PERSONAL LOAN	13.64%	14.53%	$462	Fixed	Digital banking, Redraw
SCCU	LJ HOOKER UNSECURED PERSONAL LOAN	13.64%	14.53%	$462	Fixed	Digital banking, Redraw
SCCU	LJ HOOKER UNSECURED PERSONAL LOAN	13.64%	14.53%	$462	Fixed	Digital banking, Redraw
SCCU	LJ HOOKER UNSECURED PERSONAL LOAN	13.64%	14.53%	$462	Fixed	Digital banking, Redraw
SCCU	LJ HOOKER UNSECURED PERSONAL LOAN	13.64%	14.53%	$462	Fixed	Digital banking, Redraw
SCCU	LJ HOOKER UNSECURED PERSONAL LOAN	13.64%	14.53%	$462	Fixed	Digital banking, Redraw
ORANGE CREDIT UNION LTD	Unsecured Personal Loan	13.89%	15.63%	$464	Variable	Redraw
FIRST OPTION BANK	PERSONAL LOAN	13.99%	14.25%	$465	Variable	Digital banking, Redraw
Defence Bank Limited	Consolidation Loan	13.99%	14.93%	$465	Variable	Digital banking
Arab Bank Australia Ltd Prod	Personal Loan	14.00%	14.99%	$465	Fixed	Digital banking
WOOLWORTHS TEAM BANK	Personal Secured Loan	14.35%	16.65%	$469	Variable
Bendigo Bank	Bendigo Unsecured Personal Loan	14.54%	16.64%	$471	Fixed	Redraw
Unknown lender	Personal Loan - Unsecured	14.95%	15.18%	$475	Fixed	Redraw
LCU	Personal Loan	15.25%	15.55%	$478	Variable	Redraw, Digital wallet, NPP, PayID
WOOLWORTHS TEAM BANK	Personal Unsecured Loan	15.35%	17.66%	$479	Variable
CommBank	Unsecured Variable Rate Personal Loan	15.99%	17.31%	$486	Variable	Digital banking, Redraw
MACARTHUR CREDIT UNION LTD	UNSECURED PERSONAL FIXED	15.99%	16.29%	$486	Fixed	Redraw, Digital banking, PayID, NPP
Regional Australia Bank	Personal Loan	16.24%	17.65%	$489	Variable	Digital banking, Redraw
CommBank	Unsecured Fixed Rate Personal Loan	16.25%	17.57%	$489	Fixed	Digital banking
CommBank	Unsecured Fixed Rate Personal Loan	16.25%	17.57%	$489	Fixed	Digital banking
CommBank	Unsecured Fixed Rate Personal Loan	16.25%	17.57%	$489	Fixed	Digital banking
CommBank	Unsecured Fixed Rate Personal Loan	16.25%	17.57%	$489	Fixed	Digital banking
CommBank	Unsecured Fixed Rate Personal Loan	16.25%	21.09%	$489	Fixed	Digital banking
CommBank	Unsecured Fixed Rate Personal Loan	16.25%	21.09%	$489	Fixed	Digital banking
CommBank	Unsecured Fixed Rate Personal Loan	16.25%	21.09%	$489	Fixed	Digital banking
UNITY BANK	Opal Fair Rate Personal Loan Variable P&I	16.99%	17.01%	$497	Variable	Redraw, PayID, NPP, Digital banking
Great Southern Bank	Unsecured Fixed Personal Loan	17.00%	9.69%	$497	Fixed	Digital banking, Redraw
Great Southern Bank	Unsecured Fixed Personal Loan	17.00%	13.19%	$497	Fixed	Digital banking, Redraw
Great Southern Bank	Unsecured Fixed Personal Loan	17.00%	19.99%	$497	Fixed	Digital banking, Redraw
Great Southern Bank	Unsecured Fixed Personal Loan	17.00%	7.69%	$497	Fixed	Digital banking, Redraw
Great Southern Bank	Unsecured Fixed Personal Loan	17.00%	16.99%	$497	Fixed	Digital banking, Redraw
Great Southern Bank	Unsecured Fixed Personal Loan	17.00%	18.49%	$497	Fixed	Digital banking, Redraw
Arab Bank Australia Ltd Prod	Personal Loan	17.90%	18.85%	$507	Variable	Digital banking
Westpac	Flexi Loan	18.99%	18.99%	$519	Variable	Redraw, Digital banking
ING	ING Personal Loan	19.99%	20.78%	$530	Fixed	Digital banking
Arab Bank Australia Ltd Prod	Personal Loan	20.60%	21.53%	$537	Variable	Digital banking
CommBank	Unsecured Variable Rate Personal Loan	21.99%	23.28%	$552	Variable	Digital banking, Redraw
St. George Bank	Unsecured Variable Personal Loan	21.99%	23.28%	$552	Variable	Digital banking, Redraw
St. George Bank	Unsecured Fixed Personal Loan	21.99%	23.28%	$552	Fixed	Digital banking
ANZ	ANZ Variable Rate Personal Loan	21.99%	22.56%	$552	Variable	Digital banking, Redraw
ANZ	ANZ Fixed Rate Personal Loan	21.99%	22.56%	$552	Fixed	Digital banking
Bank of Melbourne	Unsecured Variable Personal Loan	21.99%	23.28%	$552	Variable	Digital banking, Redraw
Bank of Melbourne	Unsecured Fixed Personal Loan	21.99%	23.28%	$552	Fixed	Digital banking
BankSA	Unsecured Fixed Personal Loan	21.99%	23.28%	$552	Fixed	Digital banking
BankSA	Unsecured Variable Personal Loan	21.99%	23.28%	$552	Variable	Digital banking, Redraw
NAB	NAB Personal Loan	22.00%	22.29%	$552	Fixed	Redraw, Digital banking
NAB	NAB Personal Loan	22.00%	22.29%	$552	Variable	Redraw, Digital banking
Westpac	Unsecured Personal Loan	22.19%	23.48%	$555	Fixed	Digital banking
CommBank	Unsecured Fixed Rate Personal Loan	22.25%	23.53%	$555	Fixed	Digital banking
CommBank	Unsecured Fixed Rate Personal Loan	22.25%	23.53%	$555	Fixed	Digital banking
CommBank	Unsecured Fixed Rate Personal Loan	22.25%	23.53%	$555	Fixed	Digital banking
CommBank	Unsecured Fixed Rate Personal Loan	22.25%	23.53%	$555	Fixed	Digital banking
CommBank	Unsecured Fixed Rate Personal Loan	22.25%	27.03%	$555	Fixed	Digital banking
CommBank	Unsecured Fixed Rate Personal Loan	22.25%	27.03%	$555	Fixed	Digital banking
CommBank	Unsecured Fixed Rate Personal Loan	22.25%	27.03%	$555	Fixed	Digital banking

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 SA’s typical ~$20,000 personal loan over 5 years, cutting your rate by 2.50% saves about $25/month - around $1,470 over the life of the loan. Adelaide-headquartered Beyond Bank from 7.69% (7.69% comparison rate*) also beats major bank rates.

0 lenders selected

Live CDR rates

Consolidate debt and save up to $1,322/year*

Personal loans from 5.60% p.a. (6.65% comparison rate*) across 50+ 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 5.60% p.a. (6.65% comparison rate*)
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 5.60% p.a. over 5 years. Actual savings depend on your debt balance, interest rates, loan term and approved rate.

Personal Loan Calculators for South Australia

Estimate repayments and potential debt consolidation savings on a typical SA personal loan before you apply.

SA Personal Loan Repayment Calculator

Calculate monthly, fortnightly or weekly repayments and total interest paid on a typical SA personal loan.

Loan amount

Interest rate (% p.a.)

Loan term (years)

Frequency

SA Debt Consolidation Calculator

See indicative figures on consolidating multiple debts into a single personal loan for SA borrowers.

Total existing debts

Average current rate (%)

New consolidated rate (%)

Loan term (years)

We compare Australia's leading personal loan lenders

(to save you the run-around)

+ many more

The find.deals™ difference

Compare SA personal loan rates side by side.

Whether it's a renovation, wedding, debt consolidation or something else, the gap between SA personal loan rates can mean thousands. Compare 50+ Australian lenders in minutes.

Personal Loans in South Australia

South Australia offers one of the most affordable capital cities in Australia. Adelaide's lower cost of living, with a median household income of approximately $90,000, means SA borrowers can stretch their money further. Personal loans are commonly used for vehicle purchases, home renovations in Adelaide's character homes, and debt consolidation. Beyond Bank, headquartered in Adelaide, offers competitive rates with ethical lending practices.

SA at a glance

Median household income: ~$90,000
Population: 1.8 million
Average personal loan: $15,000-$28,000
Top loan purposes: Cars, renovations, consolidation

SA borrowing tips

Beyond Bank offers ethical lending with competitive SA rates
Lower living costs boost your borrowing capacity
Adelaide character home renovations are a popular loan purpose
Compare online lenders alongside local credit unions

Types of Personal Loans in SA

6.20%-14.35%

Secured

Backed by an asset (e.g. car). Lower rates from 5.60% (6.65% comparison rate).

5.60%-17.90%

Unsecured

No asset required. Assessed on income and credit.

6.19%-17.00%

Fixed

Rate locked for the full term. Predictable repayments.

5.60%-17.90%

Variable

Rate can change. Flexibility for extra repayments.

7.49%-13.99%

Debt Consolidation

Combine multiple debts into one manageable loan.

Debt consolidation lever for SA: Rolling $20,000 of credit-card debt at ~22% p.a. into a 5.60% personal loan over 5 years cuts your interest bill by roughly $2,800/year - and replaces multiple Adelaide-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 6.20% p.a. (6.63% comparison rate) while unsecured rates start from 5.60% p.a. (6.65% 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 $20,000 loan, moving to a secured loan ~2.5% lower saves roughly $2,880 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 South Australia.

What is the best personal loan rate in South Australia in 2026?

How much can I borrow with a personal loan in South Australia?

Are there SA-specific lenders for personal loans?

What are common personal loan uses in Adelaide?

How does Adelaide's lower cost of living help with personal loans?

Can I get a same-day personal loan in Adelaide?

What credit score do I need for a personal loan in SA?

Can I use a personal loan for home renovations in Adelaide?

Compare Personal Loans in Other States

New South Wales

NSW

Victoria

VIC

Queensland

QLD

Western Australia

Tasmania

TAS

ACT

Australian Capital Territory

Northern Territory

All Australia

National

Personal Loan Guide

Read the guide

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: 2 November 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.

Ready to compare?

Start your enquiry today.

find.deals™ refers your enquiry to our accredited broker partner (an authorised credit representative under an Australian Credit Licence). find.deals™ charges you nothing; the broker provides any credit assistance and will tell you about any fee before you proceed.