Compare Australia's top buy now pay later options and personal lenders. We rate rates, fees, flexibility and credit impact — clearly.
All personal loan and BNPL applications may affect your credit score. Rates shown are comparison rates and include fees. Actual rates will depend on your individual circumstances. BeforeYouInvest may receive commissions from lenders — this does not influence our editorial assessments. Only borrow what you can comfortably repay.
Spread purchases across instalments — often interest-free. But conditions vary significantly.
4 fortnightly payments. No interest. Late fees apply.
Revolving credit up to $1,000. Monthly account fee applies.
Big BNPL for larger purchases. Up to $30,000 credit available.
6 weekly payments. Interest-free. Reports to credit bureaus.
Specialist BNPL for solar, batteries and home improvements.
Big bank BNPL. 4 fortnightly payments. $10 monthly fee if not paid.
Australia's leading online lenders with fast approval and competitive rates.
ASX-listed fintech lender with industry-leading rates for credit-worthy borrowers. Fast online application with same or next day approval common.
Peer-to-peer inspired lender offering competitive personal and car loan rates with a simple online application process.
Purpose-driven fintech lender that helps you understand and improve your credit score while you borrow. Free credit checks built in.
Trans-Tasman fintech with highly competitive rates and high loan amounts. Popular for debt consolidation due to flexible terms.
| Lender | Rate from | Loan Amount | Term | Approval Time | Our Score | |
|---|---|---|---|---|---|---|
🟡Harmoney | 5.76% | $2k–$70k | 3–7 yrs | Fast | 9.0 ★★★★★ | Apply |
🟢Plenti | 6.57% | $2k–$45k | 1–7 yrs | Same day | 8.9 ★★★★½ | Apply |
🔵OurMoneyMarket | 6.99% | $2k–$75k | 1–7 yrs | 24 hrs | 8.5 ★★★★½ | Apply |
🌿Wisr | 7.45% | $5k–$64k | 3–7 yrs | 24 hrs | 8.0 ★★★★ | Apply |
*Comparison rates are based on a $30,000 loan over 5 years. Rates shown are minimum rates for eligible applicants. Your rate will depend on individual circumstances.