Get The Nod - Get up to $50,000!

* Personal loans up to $25,000 and car loans up to $50,000

  • Loan Decision in 60 Minutes
  • Apply online in minutes with a super fast loan approval decision1
  • Loans Paid Out in 60 Seconds
  • As soon as you have reviewed and signed your loan contract2
  • Get Your Best Loan Rate with Noddle
  • Get the best personal loan rate we can give you3 - fast!
Personal Loans
Car Loans

Personal Loans Interest Rates

Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $11,965.68. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 12.05% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 8.69% (12.05% comparison rate) and a starting maximum of 21.24% (32.52% comparison rate). The minimum loan term is 9 months and the maximum loan term is 24 months.

WARNING: This comparison rate is valid 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 with the lender that finances your loan.

Your Best Rate Personal Loan via Noddle

Applying for your personal loan with Noddle should be simple enough, with applications taking around 6 to 12 minutes on average to complete. With Noddle, we'll find you a loan at the best rate we can3 to match your needs and circumstances - saving you stress and time.

In most cases we can give you a loan decision or approval within 60 minutes of your application1. After that, all you need to do is review the contract and agree to the loan terms. We'll then be able to send you funds, between $2,100 to $25,000 within 60 seconds2!

  • Fast Loan Application
  • Loan Decision in 60 Minutes1
  • Review and Agree Loan Terms
  • Loan Paid Out Fast - in 60 Seconds2!

All loan purposes are considered from moving costs, cash emergencies, medical or vet bills to holidays and weddings. Check out our Personal Loans now for more details or to apply online fast.

Personal Loans from $2,100 to $25,000

Noddle can provide funds for all sorts of needs whether it is for problems or projects, from car repairs, emergency bills, tax debts to rental bonds, home improvements, holidays and weddings.

  • Car Repairs, Services, Upgrades or Registration Costs
  • Medical Bills, Dental Bills, Vet Bills & Expenses
  • Unexpected Bills and Other Emergencies
  • Tax Debts
  • Home Improvements, White Goods & Home Repairs
  • Long Weekends, Trips & Holidays
  • Engagements, Weddings & Honeymoons
  • Anniversaries, Graduations, Parties & Celebrations
  • Re-location & Moving Costs, Rental Bonds
  • Travel Expenses
  • Study Expenses, Computer Equipment
  • Family Assistance

Advantages of Using Noddle

Noddle aims to be the quick and easy way to find the best loan rate and loan terms for you, without you having to do all the hard work reviewing and comparing different lenders and loan products.

Our advanced tech application systems will review hundreds or even thousands of data points when considering your application. This is done often in real time in order to get a good match between you and loan product or lender at the best rate possible3, depending on your personal circumstances. In many cases, people may underestimate their credit worthiness and factors such as their credit score and are pleasantly suprised by the loan terms and rate offered via Noddle.

Use your 'noddle' and apply through Noddle - it's the smart thing to do. We aim to 'get you the nod' at the best rate we possibly can!

Get Started

Noddle provides a no obligation and a completely complimentary service. If we can't help you directly, then we will offer to find you a loan via one of our partner services - all without you having to re-type anything - saving you time and hastle.

We understand that time is important and so we can usually make a lending decision in 60 minutes of completing your application1. As soon as you have reviewed and signed your personal loan contract with us, we aim to send the money to your bank within 60 seconds2 - yes, that fast!

  • 100% Online Application
  • Decision in 60 Minutes1
  • Get Your Best Noddle Loan Rate3
  • Loans Paid Out in 60 Seconds of Signing Your Contract2
  • Responsible Trusted Lender
  • Friendly and Helpful Customer Service Team

Read more about How it Works

What is Noddle?

Noddle is a lender which aims get you the best loan rate for you, saving you the time, trouble and stress comparing different websites and lenders.

If we can't find you the best loan product and rate directly via Noddle, we'll refer you to one of our lending partners to find the best rate for you. Learn more by visiting our About Us page.

What is my best rate?

Sometimes that is hard to determine if you don't know your credit rating. Even when you do know your credit rating, different lenders have different ways of interpreting the rating when offering you a rate on a loan and many lenders do not place all their faith in the credit reporting system and may use other methods of assessing borrowers. As a general rule, the better your credit rating, the lower and better loan rate you should be able to get. With Noddle, we aim to find you your best rate via our state of the art lending platform, saving you the time, stress and trouble looking elsewhere3.

How much can I borrow?

With a Noddle personal loan, you could borrow between $2,100 and $25,000. This amount will vary depending on your individual situation and credit profile.

With a Noddle car loan, you could borrow between $5,000 and $50,000. This amount will vary depending on your individual situation and credit profile.With Noddle, you tell us what you want and we'll do our best to get you the nod with the best terms we can3.

  • Personal Loans go up to $25,000
  • Car Loans go up to $50,000

What kind of loans does Noddle offer?

Noddle offers Personal Loans for a variety of purposes from bills, medical, holidays, rental bonds to car repairs and other emergencies up to $25,000.

Personal Loan Types:

  • Bills, Repairs & Emergencies
  • Travel & Holidays
  • Home Improvement
  • Medical & Dental
  • Weddings, Engagements, Honeymoons & Anniversaries
  • Moving Home, Bonds & Furniture
  • Car Maintenence, Repairs & Rego Costs
  • Other purposes considered

Noddle also offers secured or car loans up to up to $50,000.

Car Loan Types:

  • Cars
  • Motorcycles or dirt bikes
  • Caravans, Campervans & Motorhomes
  • Boats
  • Other vehicles will be considered.

Who can get a loan through Noddle?

The basic criteria for a loan approval through Noddle are that applicants must be over 18 years of age, an Australian citizen or permanent resident, get a regular income with internet banking.

  • Over 18 years of age
  • An Australian Citizen or Permanent Resident
  • Have a regular income
  • Use internet banking
  • Have a mobile phone and email address

How long does the application take to complete?

The application is quick and simple with our customers taking an average of around 8 minutes to give us everything we need to make our loan approval decision. Expect to spend between 6 and 12 minutes completing your online application with us. If you get stuck, we'll send you a reminder for you to jump back in where you left off.

Get Started

How can I get the best rate on my loan?

With Noddle, we aim to get you your best loan rate3 without you having to search around and compare different loan rates and lenders. We'll do all the hard work for you.

Your loan rate will be influenced by many different factors, depending on the lender, however some of the main items to consider are listed below:

  • Your credit history
  • Your income and expenses
  • Your spending habits and banking conduct
  • Your previous relationship with a lender
  • Whether you can provide security for your loan
  • Your employment history
  • Any other loans you may have
  • Whether you have a deposit for a secured loan

Personal Loans Interest Rates

Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $11,965.68. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 12.05% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 8.69% (12.05% comparison rate) and a starting maximum of 21.24% (32.52% comparison rate). The minimum loan term is 9 months and the maximum loan term is 24 months.

WARNING: This comparison rate is valid 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 with the lender that finances your loan.

60 Minute Loan Decisions

1 60 Minute Loan Decisioning and Approvals are an average, to be used as a guide for a typical customer and are not guaranteed. 60 Minute Loan Decisioning and Approvals are not available when applicants apply outside of our normal business hours of 8am till 4pm Monday to Thursday, 8am till 12 noon on Fridays and Saturdays AEST or public holidays.

Loans Paid Out in 60 Seconds

2 It is possible to have your funds sent to your bank account in 60 seconds, if you have a New Payment Platform enalbled (NPP-enabled) bank account. A large number of Australian banks use NPP including ANZ, Bendingo Bank, Bankwest, Bank of Melbourne, Commonwealth Bank, Citigroup, HSBC, ING, NAB, St.George and more. Check whether your financial institution is NPP-enabled.

Best Loan Rate for You

3 Noddle does not have one fixed loan rate which it uses for all customers and loan applications, but will offer tailored loan rates depending on your individual circumstances and financial profile, as reviewed, during your credit assessment. Noddle will work to offer our best loan rate we can give the customer. If we can't assist a customer at our best rate, we will review the application against the next tier and rate until we find a match for the customer. This allows us to say 'yes' and give more customers 'the nod' with Noddle.

If Noddle is unable to assist with a loan directly, we may refer the application to a third party panel of lenders to 'get the nod'.