Secured & Unsecured Personal Loans

Loan Pantry’s smart-powered platform helps you compare both — side by side — from 50 Australian lenders, so you can pick the option that suits your plans, not someone else’s checklist.

Rated 5 from 19 Reviews

Unsecured or Secured Personal Loans

Whether you’re borrowing for something personal or practical, the choice between secured and unsecured personal loans can shape your rate, repayments, and flexibility.

What’s the Difference?

Secured Personal Loans

A secured loan uses an asset — such as a vehicle, boat, caravan, or term deposit — as collateral for the loan. This lowers lender risk and can unlock better rates and higher loan amounts.

Perfect for:

  • Larger loan amounts

  • Home improvements or vehicle purchases

  • Borrowers seeking lower interest rates

Key features:

  • Loan terms: 12–84 months

  • Lower interest rates compared to unsecured loans

  • Suitable for personal or business-related use

Unsecured Personal Loans

An unsecured loan doesn’t require you to use an asset (like a car or savings) as security. Approval is usually based on your income, credit score, and repayment history.
It’s quick, simple, and ideal for smaller or short-term goals.

Perfect for:

  • Debt consolidation

  • Lifestyle and event expenses

  • Travel, medical, or education costs

Key features:

  • No asset required as security

  • Loan terms: 12–84 months

  • Fast approvals with minimal paperwork

  • Slightly higher rates (due to no asset security)

Ready to apply?

Typical Loan Features

  • Loan terms from 12–84 months, tailored to your needs
  • Fixed or variable rates depending on preference
  • Optional balloon repayment for certain secured loans
  • ABN-friendly options for self-employed borrowers
  • 100% digital process — from comparison to approval

Why Compare with Loan Pantry

✅ Smart-powered comparison across more than 50 lenders

✅ Transparent rate and repayment visibility

✅ Options for unsecured, vehicle-backed, or asset-secured loans

✅ Flexible terms and balloon options

✅ Fast, secure, and fully online

Whether you’re borrowing without collateral or leveraging an asset for a sharper rate, Loan Pantry helps you find the right fit — quickly, confidently, and transparently.

Why Compare with Loan Pantry

Reviews for Loan Pantry

MN

Michael Nunez

Emma was absolutely amazing, Very professional with her line of work. Very quick, Highly recommend this company.

SS

Sidhu Saab

I’m genuinely very thankful to Paul and his wife for sorting out our new car finance under 24 hours. Paul is highly professional. He’s really quick with phone calls/texts messages with any enquiries we had during the loan process. And Paul also got our settlement done really quickly and I was able to pick up the car on time. I’m so thankful to him. I highly recommend contacting Paul if anyone is looking for a hassle free real quick asset loan. Not only that he will also make sure to get the best interest rate. Thank you Paul and team @ Loan Pantry. I would rate Paul 10/10 Stars :)

MM

Meg McSweeney

Thanks you so much, the process was super quick, and the team are so knowledgeable and answered all of my questions :) Will be back again for sure!

MB

Matilda Barlow

My experience with Loan Pantry was amazing - the team obviously know their stuff. They answered my millions of questions, and assisted me with finance for a new car in a very time manner. Thanks guys, I’ll be back!

Mj

Mea jin Briz

I applied for a car loan and got it so am totally wrapt! Thanks to Loan Pantry it happened so quickly and was so convenient. Im not used to this kind of way of getting a loan plus am not tech savvy AT ALL but ppl at Loan Pantry were so extremely helpful and patient and it was so vvv easy to do I was amazed. I now have a new car using Loan Pantry. I highly recommend them and I will be coming back in the future. I want to travel and I will apply again. Brilliant and easy to use. Very polite caring staff there too if need be. Thankyou Loan Pantry I am so happy with this and so excited. Thankyou a thousand times over!!????????

BD

Brooke Dobo

Such a great service! So super helpful. Definitely recommend!!

ZM

Zakkary McKay-Smith

I had the best experience with Emma and Paul, they helped me through every step of the loan process, from selecting the right car for me to finding the best lender for me, doing checks without affecting my credit score and supporting me through every step of the way, the really went above and beyond, answering all my questions and teaching me a lot in the process. Could not be happier with the service and the result! will definitely be back for my boat and house in the future!

KO

Kacie O'Coilean

Thank you so much! This is the second time we’ve had this team look after our car finance, and once again, the experience was fantastic. The communication was clear and prompt, making the entire process quick and easy. We really appreciate how seamless everything was!

MY

Mandy Yore

I recently used Loan Pantry to finance a new car. I dealt with both Emma and Paul and the service was outstanding. They were both very knowledgeable about finance, providing me with options to best suit my needs and finances. They were fast, efficient and constantly updating me. I would recommend them to anyone needing a loan for any reason. I will use them again.

DS

Donald Smith

Emma at Loan Pantry has been amazing helping me with a personal loan at the best rates even so soon after obtaining a mortgage. She made the process just about effortless for me and communication was top tier, settling the loan in a matter of 2 business days (your experience may vary). Highly recommend Loan Pantry and thank you Emma and co for all your support!

KR

Kate Rylands

Thank you so much to LoanPantry! You have made me purchasing my dream car possible. Everything was so easy. Would definitely recommend these guys to anyone needing finance.

TX

Tania Xepapadea

I had such a wonderful experience with Emma and Paul. They genuinely cared about finding the perfect finance option for me and made everything feel easy and stress-free. They explained each step with patience and honesty, and I always felt supported and looked after. I’ve already recommended them to 3 people, and they were all super happy with the service too. It’s rare to find someone so genuine and dedicated. I’m truly grateful, thanks for saving me $$ and making me feel like a VIP. Much love ❤️

SE

Sandra Edwards

Great, friendly and helpful service.

KF

Katelyn Field

I cannot speak highly enough of Paul and the team!! Getting finance can be such a daunting and confusing task but the Loan Pantry team keep it real and made the entire process as easy as possible. The communication was next level. The genuine excitement Paul had when we got to pick up our dream car made the whole experience incredible!

K&

Kacie & Dennis, QLD

Thank you so much! This is the second time we’ve had this team look after our car finance, and once again, the experience was fantastic. The communication was clear and prompt, making the entire process quick and easy. We really appreciate how seamless everything was. Will be coming back for our next car (or caravan)!

RQ

Rachael, QLD

I had an outstanding experience! From the beginning, the team was professional, friendly, and truly invested in providing personalised customer service. They took the time to understand my needs and made everything feel tailored and stress free. The advice and support they offered were helpful and informative giving me full confidence at every step of the process. Their platforms are incredibly easy to use with clear and supportive navigation, making it simple to use without a hassle. On top of that, they offer very competitive rates, which was a pleasant bonus!

KN

Kylie, NSW

Thank you soo much for your guidance and help throughout this process. You’ve been amazing!

IQ

Ivy, QLD

I had the pleasure of working with Emma during my recent search for the perfect caravan, and I can confidently say that her professionalism and dedication far exceeded my expectations. From our very first conversation, it was clear that Emma brought not only a deep knowledge of the caravan market but also a genuine passion for helping her clients find exactly what they need. Throughout the entire process, Emma was incredibly attentive and thorough. She took the time to understand what I was looking for, asked the right questions, and offered options that were tailored specifically to my requirements and budget. Her ability to navigate the market, provide honest advice, and negotiate on my behalf made what could have been an overwhelming experience feel straightforward and stress-free. What truly stood out was Emma’s commitment to transparency and her clear communication. She kept me informed at every step, always responded promptly to questions, and never pressured me into a decision. It was clear that her priority was finding the right fit for me—not just closing a deal. Thanks to Emma’s expertise and support, I found a caravan that I absolutely love, and I’m confident I made the right choice. I would highly recommend Emma to anyone looking for a broker who is professional, trustworthy, and genuinely invested in helping their clients succeed. Her service was exceptional from start to finish. 

SN

Steve, NSW

We were struggling to find the the right loan, but Emma stepped in and quickly found multiple options that suited our needs. Their efficiency and professionalism saved us both time and money.

MN

Michael Nunez

Emma was absolutely amazing, Very professional with her line of work. Very quick, Highly recommend this company.

SS

Sidhu Saab

I’m genuinely very thankful to Paul and his wife for sorting out our new car finance under 24 hours. Paul is highly professional. He’s really quick with phone calls/texts messages with any enquiries we had during the loan process. And Paul also got our settlement done really quickly and I was able to pick up the car on time. I’m so thankful to him. I highly recommend contacting Paul if anyone is looking for a hassle free real quick asset loan. Not only that he will also make sure to get the best interest rate. Thank you Paul and team @ Loan Pantry. I would rate Paul 10/10 Stars :)

MM

Meg McSweeney

Thanks you so much, the process was super quick, and the team are so knowledgeable and answered all of my questions :) Will be back again for sure!

MB

Matilda Barlow

My experience with Loan Pantry was amazing - the team obviously know their stuff. They answered my millions of questions, and assisted me with finance for a new car in a very time manner. Thanks guys, I’ll be back!

Mj

Mea jin Briz

I applied for a car loan and got it so am totally wrapt! Thanks to Loan Pantry it happened so quickly and was so convenient. Im not used to this kind of way of getting a loan plus am not tech savvy AT ALL but ppl at Loan Pantry were so extremely helpful and patient and it was so vvv easy to do I was amazed. I now have a new car using Loan Pantry. I highly recommend them and I will be coming back in the future. I want to travel and I will apply again. Brilliant and easy to use. Very polite caring staff there too if need be. Thankyou Loan Pantry I am so happy with this and so excited. Thankyou a thousand times over!!????????

BD

Brooke Dobo

Such a great service! So super helpful. Definitely recommend!!

ZM

Zakkary McKay-Smith

I had the best experience with Emma and Paul, they helped me through every step of the loan process, from selecting the right car for me to finding the best lender for me, doing checks without affecting my credit score and supporting me through every step of the way, the really went above and beyond, answering all my questions and teaching me a lot in the process. Could not be happier with the service and the result! will definitely be back for my boat and house in the future!

KO

Kacie O'Coilean

Thank you so much! This is the second time we’ve had this team look after our car finance, and once again, the experience was fantastic. The communication was clear and prompt, making the entire process quick and easy. We really appreciate how seamless everything was!

MY

Mandy Yore

I recently used Loan Pantry to finance a new car. I dealt with both Emma and Paul and the service was outstanding. They were both very knowledgeable about finance, providing me with options to best suit my needs and finances. They were fast, efficient and constantly updating me. I would recommend them to anyone needing a loan for any reason. I will use them again.

DS

Donald Smith

Emma at Loan Pantry has been amazing helping me with a personal loan at the best rates even so soon after obtaining a mortgage. She made the process just about effortless for me and communication was top tier, settling the loan in a matter of 2 business days (your experience may vary). Highly recommend Loan Pantry and thank you Emma and co for all your support!

KR

Kate Rylands

Thank you so much to LoanPantry! You have made me purchasing my dream car possible. Everything was so easy. Would definitely recommend these guys to anyone needing finance.

TX

Tania Xepapadea

I had such a wonderful experience with Emma and Paul. They genuinely cared about finding the perfect finance option for me and made everything feel easy and stress-free. They explained each step with patience and honesty, and I always felt supported and looked after. I’ve already recommended them to 3 people, and they were all super happy with the service too. It’s rare to find someone so genuine and dedicated. I’m truly grateful, thanks for saving me $$ and making me feel like a VIP. Much love ❤️

SE

Sandra Edwards

Great, friendly and helpful service.

KF

Katelyn Field

I cannot speak highly enough of Paul and the team!! Getting finance can be such a daunting and confusing task but the Loan Pantry team keep it real and made the entire process as easy as possible. The communication was next level. The genuine excitement Paul had when we got to pick up our dream car made the whole experience incredible!

K&

Kacie & Dennis, QLD

Thank you so much! This is the second time we’ve had this team look after our car finance, and once again, the experience was fantastic. The communication was clear and prompt, making the entire process quick and easy. We really appreciate how seamless everything was. Will be coming back for our next car (or caravan)!

RQ

Rachael, QLD

I had an outstanding experience! From the beginning, the team was professional, friendly, and truly invested in providing personalised customer service. They took the time to understand my needs and made everything feel tailored and stress free. The advice and support they offered were helpful and informative giving me full confidence at every step of the process. Their platforms are incredibly easy to use with clear and supportive navigation, making it simple to use without a hassle. On top of that, they offer very competitive rates, which was a pleasant bonus!

KN

Kylie, NSW

Thank you soo much for your guidance and help throughout this process. You’ve been amazing!

IQ

Ivy, QLD

I had the pleasure of working with Emma during my recent search for the perfect caravan, and I can confidently say that her professionalism and dedication far exceeded my expectations. From our very first conversation, it was clear that Emma brought not only a deep knowledge of the caravan market but also a genuine passion for helping her clients find exactly what they need. Throughout the entire process, Emma was incredibly attentive and thorough. She took the time to understand what I was looking for, asked the right questions, and offered options that were tailored specifically to my requirements and budget. Her ability to navigate the market, provide honest advice, and negotiate on my behalf made what could have been an overwhelming experience feel straightforward and stress-free. What truly stood out was Emma’s commitment to transparency and her clear communication. She kept me informed at every step, always responded promptly to questions, and never pressured me into a decision. It was clear that her priority was finding the right fit for me—not just closing a deal. Thanks to Emma’s expertise and support, I found a caravan that I absolutely love, and I’m confident I made the right choice. I would highly recommend Emma to anyone looking for a broker who is professional, trustworthy, and genuinely invested in helping their clients succeed. Her service was exceptional from start to finish. 

SN

Steve, NSW

We were struggling to find the the right loan, but Emma stepped in and quickly found multiple options that suited our needs. Their efficiency and professionalism saved us both time and money.

Ready to apply?

Discover tailored options and flexible terms (12–84 months)— all from trusted Australian lenders in one smart-powered platform.