Personal loans made simple.
BrokerFi + is an online personal loan comparison website helping Australians access unsecured and secured personal loans. Our automated platform compares lenders in real time, delivers your personalised rate in under 3 minutes, and processes your full application online: no call centres, no paperwork.
Won't impact your credit score
Personal loan options
Personal loan options for different situations
Whether you are consolidating debt, improving your home, travelling or covering a major expense, BrokerFi + connects you with a licensed broker who compares personal loan options and helps you understand the numbers before you apply.
Consolidating debt
For customers wanting to combine multiple debts into one personal loan repayment.
Learn moreHome improvements
Compare personal loan options for renovations, upgrades, repairs or furnishing projects.
Learn moreTravel and events
Plan ahead for holidays, weddings, celebrations or other meaningful life moments.
Learn moreMajor expenses
Get guidance on borrowing for large purchases, medical costs or planned personal expenses.
Learn moreOur process
How the BrokerFi + process works
A simple process designed to help you compare options, understand the numbers and apply with confidence.
Enquire through the calculator
Use our quick calculator to tell us your loan type, amount, purpose and situation. It only takes a couple of minutes.
Get matched with a broker
Based on your enquiry, we match you with a specialist finance broker suited to your loan type and circumstances.
Compare your options
Your broker reviews finance options from across our panel of lenders and presents suitable choices with repayments, fees and loan details upfront.
Complete a full application
Happy with an option? Your broker helps you complete a full application and manages it through to approval and settlement.
Broker guidance
How BrokerFi + helps with personal finance
A personal loan is not just about finding the lowest advertised rate. The right finance option depends on the loan amount, loan term, fees, flexibility, lender requirements and your overall situation. BrokerFi + connects you with a licensed broker who does the comparing for you.
We explain the loan structure
Understand repayments, fees, loan terms and conditions before you proceed.
We compare suitable options
Your matched broker reviews finance options based on your profile, goals and loan purpose.
We help protect your credit file
We help structure your enquiry before any formal application is submitted.
We support the process
From enquiry through to approval and settlement, you have broker support along the way.
Access to 40+ personal loan lenders
We compare personal loan options from a wide panel of Australian lenders to find what suits your goals and budget.
Understanding rates
How personal loan interest rates work
Your credit score plays the biggest role in the rate you’re offered. Generally, the higher your score, the better the rate available to you. Lenders also look at stability, including how long you’ve been in your job and your current home, and whether you own your home. The amount you want to borrow and your loan term matter too, but credit history carries the most weight in most lender assessments.
Beyond your credit score, lenders look closely at your financial conduct: have previous loans and credit cards been paid on time? They’ll also look for red flags like large or frequent cash withdrawals, gambling transactions, or use of payday lenders, as these can signal financial stress. A clean conduct history, even with an average credit score, can make a real difference to your approval and the rate you’re offered.
What affects your rate
- Credit score: the strongest factor
- Employment and address stability
- Whether you own your home
- The amount and term you are borrowing
What lenders check
- On-time repayment history
- Large or unusual cash withdrawals
- Gambling transactions
- Use of payday loans
Loan details
Loans tailored to you
Your matched broker compares personal loan options across a panel of lenders, with loan structures and features built around your goals, budget and situation.
Borrow for what you need
Loan amounts for debt consolidation, renovations, travel, weddings and major expenses.
Secured and unsecured options
Compare secured and unsecured personal loan options where available.
Set your term
Flexible repayment terms depending on lender assessment and your situation.
No early repayment fees
Available on select loan types if you want to pay off your loan sooner.
Options for different credit profiles
Finance options may be available across a range of credit histories.
Plan for your goals
Guidance on rates, repayments and documents before applying.
Eligibility
- Australian residents aged 18+
- Visa applicants accepted, excluding student, temporary and bridging visas
- Regular income from employment, self-employment or pension
- Credit history and affordability assessed by the lender
Required documents
- ID documents such as licence and Medicare
- Payslips or proof of income
- Recent bank statements
- Extra documents may be requested depending on the application
Real wins
Real results for real Australians
We've helped Australians find the right loan for their situation.
1000+
Customers helped
40+
Lenders on the panel
$110,000M+
Loans compared
3 min
To get started
What our customers say
“Exceptional customer service and they really look after you every step of the process highly recommend using them again.”
Sebastian
Verified Google Review
“Easy to deal with, punctual, quick results sorted in 1-2 days, got us a great deal and is helping out with our other loans currently to get a better deal.”
Bradley
Verified Google Review
“So glad I decided to use brokerfi exceptionally good service made it very easy to apply thank you for all your hard work.”
Dean
Verified Google Review
Helpful answers
Personal loan FAQs
A personal loan is a fixed amount you borrow and repay over an agreed term, usually with fixed repayments and a fixed or variable interest rate. Through BrokerFi +, you are matched with a licensed broker who compares options across a panel of lenders to find a loan structure that suits your goals, budget and situation.
Important Information
BrokerFi Plus is a trading name of BrokerFi Pty Ltd (ABN 97 693 051 160), a credit representative (Credit Representative Number 575397) of Access Lending Group Pty Ltd (Australian Credit Licence Number 531308). BrokerFi provides credit assistance and acts as a finance broker; we are not a lender.
Loan terms: Repayment periods range from a minimum of 1 year to a maximum of 7 years.
Interest rates: Rates available through our lender panel range from 5.95% p.a. to a maximum of 22.99% p.a. (maximum comparison rate 25.60% p.a., based on a $30,000 loan over 5 years including applicable fees). The rate offered depends on the lender, the loan and your individual circumstances.
Representative example: A $30,000 loan over a 5-year term at an interest rate of 8.95% p.a. (comparison rate 11.37% p.a.) would have monthly repayments of $630.02 and a total amount payable of $39,066.37. This includes $7,321.37 in interest and $1,745.00 in fees (a $770 broker fee, a $495 lender establishment fee, and $8 monthly account fees). WARNING: This comparison rate applies only to the example given and may not include all fees and charges. Different loan amounts, terms or fees may result in a different comparison rate.
Rates, fees, repayments and approval are subject to individual lender assessment and your circumstances. Loan approval is not guaranteed. This information is general in nature and does not take into account your objectives, financial situation or needs. Consider whether it is appropriate for you and read the relevant lender’s terms and conditions before making any decision.