Best Loan Rates3 up to $25,000!

  • Get Your Best Noddle Loan Rate
  • Get the best personal loan rate we can give you3 - fast!
  • All Purposes Considered
  • Emergencies, Consolidation, Holidays, Repairs, Renovations, Weddings etc...
  • Simple Online Application
  • Apply in minutes with a fast loan decision in 60 minutes1!
  • Loans Paid Out in 60 Seconds
  • Get your money sent straight after signing your loan contract2
Best Loan Rate
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 Loan Rate3 with Noddle!

It makes sense to want the best rate you can get and Noddle is here to make the process simpler and faster. With Noddle, we will use our smart tech to find you the best Noddle loan rate3 that we can offer you, based on your financial profile and current situation. If we can't get you 'the nod' directly, we may refer you to a third party who may be better able to assist you.

Better Loan Rates with Security on Your Loan

There are many factors which can effect the loan rates available to you. Your credit history, banking conduct as well as your income and employment profile. However, while these factors impact your rate, it can often be improved when you provide security against your loan, usually as security against your car or other vehicle that you currently own. During your application, Noddle will give you the opportunity to offer security against your loan, which may improve the loan rate Noddle is prepared to offer you.

Personal Loans for Almost Anything!

  • Car Repairs
  • Emergency Expenses
  • Holiday Loans
  • Wedding Loans
  • Home Renovations
  • Dental & Medical Loans
  • Consolidation Loans
  • Bill Loans
  • Bond Loans
  • Vet Bills
  • Many more ...

Get The Noddle Nod!

Fast Loan Application

Noddle's loan application is built with the latest tech, meaning that you can get your loan approval decision quicker. To do this, we need to ask a number of questions about you, where you live and work, your income and expenses as well as requiring a digital scan of your latest bank statements. We only get a read-only access scan of your latest bank statements, so your account remains secure. When we have all the information that we need, we can generally give you your loan approval decision in around 60 minutes from $2,100 up to $25,000.

Most customers can complete their fast wedding loans application in around 6 to 12 minutes.

Get Started

Fast Loan Decisions

Due to our smart tech which runs in the background when you make an application online with us, we caould give you your loan decision in 60 minutes of completing your application with us1.

Fast Pay Out

If after reviewing your application and we have given you a loan offer and you are happy with the rate and the terms, sign the loan contract and we will pay your funds directly into your bank account within 60 seconds2!

How can I get my best loan rate with Noddle?

Noddle employs some clever tech in the background. All you have to do is apply and our tech will work in the background to find you the best Noddle rate3 it can, based on your personal circumstances. This will include factoring in your income and expenses, any security you choose to offer against your loan, your credit profile and a scan of your bank statements.

How much could I borrow?

Noddle personal loans are available from $2,100 up to $25,000. The amount you can borrow will be adjusted, based on your loan purpose, needs and financial situation.

How long can my loan last?

Noddle loans are available from 12 months to 36 months in most cases. Loan terms may be longer for larger loan amounts.

What is the Noddle Nod?

The Noddle Nod is our way of doing everything we can to make sure you have a good application outcome. We would like to say yes to everyone, but sometimes that isn't possible, depending on your circumstances. If we can't offer you a nod directly, we may refer your application to a third party to help you get the nod you need.

How can I qualify for a Noddle loan?

Many factors are involved. The easiest way to see is to apply online, which should take you 5 to 10 minutes to complete.

However you must first pass our basic criteria, as below:

  • 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 can I get a better loan rate?

When you apply with Noddle, we will automatically work to give you your best Noddle rate that we can3. However, if you choose to offer security against your loan, you are likely to get an ever better rate than wihtout it.

Why choose Noddle for my personal loan?

Noddle is fast and simple and we do everything we can to not only get you 'the nod' but at the best loan rate that we can3 based on your individual circumstances and credit profile. Your application should only take 5 to 10 minutes in most cases and our smart tech will do the rest. You should get a loan decision within 60 minutes of applying with us1. After that, if your loan application has been successful with us, all you need to do is review your contract and sign online in seconds. Your funds will be sent directly to your bank account in 60 seconds2!

What kind of personal loans do you offer?

Noddle offers personal loans for many kinds of situations. Some common purposes are below:

  • Car Repairs
  • Emergency Expenses
  • Holiday Loans
  • Wedding Loans
  • Home Renovations
  • Dental & Medical Loans
  • Consolidation Loans
  • Bill Loans
  • Bond Loans
  • Vet Bills
  • Many more ...

How long will the application take to complete?

The Noddle application is fast! Most people can complete their online application in 5 to 10 minutes.

What documents do you need to see?

For most applications, we do not need to see any documentation directly. We will need to see your latest 90 days bank statements, but they can be taken digitally as part of your applicati in minutes.

When will I know if my loan has been approved?

The loan approval process is fast and you should get a loan approval decision in 60 minutes of applying online1.

When can I expect the money in my bank account?

After you have been approved, we will send you a link to review and sign your loan contract with us. When you are ready and have digitally signed your loan contract, your money will be sent to your bank account in 60 seconds2!

Are there any early repayment fees with a Noddle loan?

The good news is there are no early repayment fees with Noddle.

Please see our Costs and Charges page for more details.

What costs do I need to know about in my loan?

Please see our Costs and Charges page for more details.

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'.