About

Comparison Rate Desk is an independent information site about personal loans in Australia. It explains how lenders assess applications, how the comparison rate and fees work, what the National Credit Code and the National Consumer Credit Protection Act 2009 require, and where to find free help when repayments become difficult.

The site is for people comparing a personal, car or debt consolidation loan, people who have been declined, and people already struggling with credit. Each guide explains the rules in plain English, shows the arithmetic with illustrative figures and points to official sources such as ASIC and Moneysmart, the Federal Register of Legislation, the Office of the Australian Information Commissioner, AFCA and the National Debt Helpline.

We do not lend money, arrange credit, rank lenders or publish lender rates. The examples are not offers. Nothing on this site is financial, legal or credit advice, and it does not take your personal circumstances into account. Laws and lender products change, so check the current rules with official sources and read the documents a lender gives you. If you need personal help, a free financial counsellor or a licensed adviser can look at your situation.

How this site is made

Comparison Rate Desk is an independent information project. Guides are drafted with the help of AI writing tools and checked against official and primary sources before publication; see our Editorial Policy. We are not affiliated with any provider mentioned on the site and do not sell products or services.