Apply for a loan that suits you from our panel of lenders

Money in your bank account in as fast as 60 seconds once approved*

  • Rates from 7.59% (comparison rate 12.24% p.a.)
  • Borrow from $2,000 – $25,000
  • 100% Online Application

Creditworld is a credit broker and not a lender. Australian Credit Licence Number 397589.

Easy 100% Online Personal Loans for up to $25,000

Whether you’re searching for a personal loan or car finance, we aim to make that process as easy as possible by matching you with the loan that best suits your needs.

Speedy applications

time icon

Quick outcomes

Laptop icon

Instant cash

Cash icon
  • $6,000
  • $25,000
  • 0yr
  • 1yr
  • 2yr
  • 3yr
  • 4yr

Calulator result

Monthly repayments


Total repayable


Representative interest rate


  • img Instant decision in most cases
  • img Funds could be transferred in the next day
Am I eligible?

Please note:

This interest rate is for people with good credit. The interest rate shown may vary. It will depend on the amount and term along with your personal circumstance and credit rating.

Benefits of a Creditworld Personal Loan

  • It’s free, quick and easy to apply
  • We are 100% online – no messy paperwork
  • We do not charge early termination fees
  • Transparent & responsible lending guarantee
  • We have a panel of lenders to increase your chances of being approved

“The online process was so quick and easy. Thanks again”

Jennifer and Paul

Melbourne, VIC

“The online process was so quick and easy. Thanks again”

Jennifer and Paul

Melbourne, VIC

What are you planning on using your loan for?

Buying a car

Spread the cost for your car purchase, new or old.

Car Loans

Debt consolidation

Manage all your existing debts with one simple monthly payment.

Debt Consolidation Loans

Personal loan

Get a loan to upgrade your space or finally go on that holiday.

Personal loans

Get your personalised rate

Apply now to find out what loan rate we can offer you.

Personal Loans

With so many different types of personal loans on the market, you are sure to find the best personal loan rate that meets your needs.

Thinking about doing a kitchen renovation or putting a deck in the backyard? Maybe you’re planning the trip of a lifetime – or your big day?

Whatever you need funds for, you can find a personal loan to cover it.

How does it work?

When you apply for a personal loan, you choose how much you want to borrow – and how long you will need to pay it back. Once approved, you sign a loan contract and receive your funds.

Over the period stated in your loan contract, you make regular repayments to pay off your loan, along with any agreed-upon interest and fees.

Fortunately, we’re here to help you combat each of those potential downsides. Our team can help guide you through the various options available, to match you with a loan that suits you.

We can also offer guidance on how to keep costs to a minimum while finding a repayment schedule that works within your budget.

Pros & Cons of Personal Loans

Red tick of approval

With the right personal loan, you can cover pretty much anything, from travel to home renovations to medical bills.

Red tick of approval

Offering a range of flexible features, personal loans can be adapted to your needs. Check out features that allow you to choose the frequency of your repayments, or to pay off your loan faster by making extra repayments.

Red tick of approval

Personal loans can offer a structured way to repay borrowed funds. Unlike credit cards, for example, personal loans have a repayment schedule that requires borrowers to pay off their debt in a timely manner.

Red tick of approval

Personal loans can also offer lower interest rates than other types of credit. This can help borrowers save on interest, to pay off their debt faster.

Red tick of approval

By making repayments on time, those who have personal loans can build their credit over time, making it easier to get approved for more credit in the future.

Subtract icon

With so many variations and features, it can be hard to find the right personal loan to suit your needs.

Subtract icon

It’s not always easy to compare options, taking into account the various costs in fees and interest.

Subtract icon

If you choose a longer loan term to take advantage of lower repayments, you may end up paying over the odds in interest.

Consolidation Loans

Personal loans can also be used to consolidate debt. These debt consolidation loans provide a popular way of either streamlining finances or paying down multiple debts. Well then, how do they work?


When you apply for a debt consolidation loan, you use that loan to pay off your other debts. Essentially, you roll all your debts into one. This can have any number of benefits.

  • With just one repayment, instead of many, you only have to keep track of one repayment date. This can reduce stress associated with juggling multiple debts and multiple repayments.
  • You can choose a repayment schedule that fits your budget. If your repayments are currently too much to handle, you could opt for a longer loan term, lowering your repayments to make them more manageable.
  • Alternatively, your consolidation loan could help you lower the cost of your loan overall. If you have high-interest debt, such as credit cards, you could save on interest by rolling them into a low-interest consolidation loan.


Want to consolidate your debts? No matter your reason for consolidating, we can help you compare your options, so you can apply for a loan that will help you reach your goals.

Applying For Car Loans

After your home, your car is likely to be your largest purchase in life. But how are you going to cover the cost of that purchase if you don’t have the money you need upfront? A car loan, of course.

A car loan will most likely be secured against the car you buy. However, there are unsecured car loans out there too. You can opt for a new car loan – if you plan on buying a new car, typically up to two years old – or a used car loan.

With a used car loan, the car may need to meet certain requirements in terms of both its age and condition.

If you’re unsure about what type of car loan will suit your needs, let us do the hard work for you.

Simply tell us what you’re looking for in a loan, and we’ll do the hard work for you. From there, it’s a matter of comparing the options on offer, choosing and applying. Easy as that.

Car Loan Providers

Red tick of approval

Dealer Finance

While getting finance from the dealership might be convenient, it may not be the most cost effective way to choose a loan. Dealer finance may come with higher interest and fees – and a pushy salesperson.

Red tick of approval

Online Providers

With no bricks-and-mortar costs to cover, online providers can offer lower interest and fees, with a much faster application and approvals process.

Red tick of approval


As the more traditional option, banks offer a wide range of car loans. Depending on the bank, the application process might be somewhat longer than other options – such as online providers – and the costs may be higher too.

Comparing Loans

When it comes time to compare loans, it pays to know what to look for before you start your comparison. Whether you are comparing personal loans, consolidation loans, home loans or car loans, here are some of the most important factors to consider when making your choice:


What do you need the loan for?


Thinking about what you need to use the loan for should help you narrow your options. If you’re looking to buy a car, think about whether you want to secure your loan against the car – and whether you want to buy new or used. If you want a personal loan, think about what you will use the loan for. Home renovation? A holiday? Your big day?


How much do you need to borrow?


Once you fully understand the purpose of the loan, you can work out how much you’ll need to borrow. If you’re borrowing to buy a car, look at the various models you’re interested in. If you’re borrowing to cover a home reno or a holiday, create a budget to find out how much it will cost overall.


How much can you afford to borrow?


Now you know how much you need to borrow, it’s time to take a step back and find out how much you can afford to borrow. To do this, you will need to create a budget to find out how much you can afford to pay back each month on your loan.


From there, you can use a loan calculator to see how much you can afford to borrow overall, keeping that ideal repayment amount in mind. This can be something of a chicken-and-egg scenario, so it can help to play around with options, increasing and decreasing the loan period and amount to find the sweet spot.

Loan Tips

Ready to get started? Select the type of loan you want to apply for, read the guide and let us know what you need.

If you have any questions, ask away. That’s what we’re here for.

Red tick of approval

Understand your options and how your loan works. Read the small print.

Red tick of approval

Weigh up the pros and cons of each option and choose the loan that will best suit your needs.

Red tick of approval

Only borrow what you can afford to pay back.

Red tick of approval

Choose a loan that offers the flexibility you need in features. You may pay more initially for features such as the ability to make extra repayments, but having that feature could save you over the longer term, to allow you to pay off your loan early.

Top questions people ask us

What is the application process?

Once you’ve made your decision, it’s time to apply. With Creditworld, the application process is 100% online. This not only makes it easier for you, it also makes the process much faster. We’ll tell you what you’ll need for the application, and then we’ll go through the steps one by one.

Step 1
. You’ll need to provide some info, as required by the lender. This will likely include your personal and contact details, employment info, details of any assets or debts, as well as a snapshot of your regular income and outgoings.

Step 2
. The lender will ask you to provide documentation to back up the information you have provided. This may include your passport or driver’s licence, and your payslips.

Step 3
. With this information, the lender will assess your ability to repay the requested loan amount. The lender will also carry out a credit check to determine your creditworthiness. You may be asked to provide further documentation in certain circumstances, for example, if you are self-employed.

Step 4
. As long as all is well with the application, the lender will send you confirmation of your approval. You will receive a loan contract, providing details of your repayment schedule, interest rate and fees.

Step 5
. If you’re happy with the loan contract and all it offers, e-sign it and return it to the lender. The lender will then arrange for the funds to be drawn down.

What is the difference between a secured and unsecured loan?

In the world of personal loans, there are secured personal loans and unsecured personal loans. So, how do they work? And what’s the difference between the two?


A secured personal loan is secured against an asset. Acting as collateral on the loan, this asset works to reduce risk for the lender, which provides a number of benefits to you as the borrower.


Secured personal loans can feature lower interest rates and fees than unsecured personal loans, making them a lower cost option in many cases.


Secured personal loans can be easier to get approved for, appealing to borrowers who are self-employed, who are employed part-time, or who have mediocre credit.


On the other hand, an unsecured personal loan is not secured against any type of asset. This can appeal to borrowers who perhaps don’t have an asset to use as collateral, or those who don’t want to risk losing their asset if they are unable to repay their loan.


What assets can you use to secure a personal loan? While this will depend on the lender, assets commonly used as collateral on this type of loan include new and used cars, property, high value assets such as jewellery and fine art, and monetary assets such as term deposits.


Lenders may also place limits on what you can and can’t use a secured personal loan for. You may choose to secure your loan against a new or used car you’re buying, or you could use your home as collateral to cover home renovations. Secured loans could also cover large purchases such as an engagement ring.

* This offer only applies to our personal loan product that is funded through Jacaranda Finance Pty Ltd. Most applicants that are approved by Jacaranda Finance Pty Ltd have their money in their bank account and ready to use within 60 seconds of accepting their digital contract, providing applicant banks with an NPP-enabled financial institution.

Want to learn more about loans?

Can You Earn Rewards Points On Your Personal Loan?

July 5, 2021

Want more? What about rewards? Personal loans that earn rewards are few and far between. In fact, we are only aware of one option currently available. Earlier this month, Symple announced its partners

Read more

What To Do When Your Personal Loan Application Is Rejected

June 15, 2021

While yes, you may have been unlucky, perhaps filling out some details incorrectly on the application, it’s still not a good idea to reapply straight away. Unless you know exactly why your applicati

Read more

Reasons To Get A Personal Loan And Whether It’s A Good Idea

May 19, 2021

But, just because you can take out a personal loan, doesn’t always mean you should. Personal loans come at a cost. So, whatever you borrow now, you will need to pay back, alongside fees and interest

Read more
icon icon

Got a question? Leave us a message and we will get back to you