A personal loan is normally unsecured credit: you borrow a fixed amount and repay it in equal monthly instalments over an agreed term, without putting up your car or property as security. The interest rate you're offered is based on an individual affordability and credit assessment, so it's rarely the same for every applicant.
Under the National Credit Act, a registered credit provider must assess whether you can afford the loan before granting it, and must disclose the interest rate, initiation fee, monthly service fee and total repayment amount up front. Any figures shown on this site before you apply are illustrative examples only.
Before you apply, it's worth comparing more than one credit provider: look at the interest rate, the loan amount, the term and the total amount you'd repay, not just the size of the monthly instalment. A longer term can lower your monthly payment but increase the total cost of the loan.
Below we've listed credit providers offering personal loans, each with their loan amount range, interest rate and an example.