Low rate personal loans for self-employed people

Our simple, flexible personal loans can help you grow your business, go on a well-deserved holiday or improve cash flow by consolidating high-interest debt.
Borrow from $2,001 to $45,000, for 6 months to 5 years.

We look at the whole picture

We know that every self-employed borrower is different, so we look at your entire circumstances to tailor a low rate loan just to you.

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Takes 1 minute and won't affect your credit score

A better way for self-employed to borrow

If you can demonstrate a steady income for at least two years, we can provide a competitive low rate unsecured personal loan.

  • Simply smarter

    No exit fees, no early repayment penalties, and easy online loan management

  • Flexible loan options

    Secured and unsecured personal loans from $2,001 to $45,000, from 6 months to 5 years

  • Fast online application

    1 minute RateEstimate. 5 minute application

  • Low interest rates

    We reward good borrowers with low rates

Self-employed loans in 48 hours

Save time before applying by making sure:

  • You are an Australian citizen or permanent resident
  • You have a regular source of income
  • You have a good credit history
  • You have your most recent bank statements

Get a RateEstimate now
  1. 1

    Apply online in 5 minutes

    Complete our fast and simple application in less than 5 minutes
  2. 2

    Hear from us in 2 hours

  3. 3

    Get a decision in 24 hours

  4. 4

    Receive your funds in 48 hours

Helping Australian self-employed borrowers save on their personal loans


Value of personal loans funded

30,000+ delighted borrowers

Top rated personal loans

RateSetter is rated 4.8 / 5 by our borrowers on independent review website ProductReview.com.au and 5 / 5 by rating agency Canstar. RateSetter offers the highest rated personal loan in Australia.



"Easy online application, great rate, half that of the banks. The assistance given by the team was informative and professional with a level of customer service we haven't seen from banks in 20 years."

JRM Sydney

"The Team at RateSetter were very friendly and extremely understanding of my particular situation, they asked the right questions when there were some left-field elements with my application."

Jayson Melbourne

"I applied in the morning and was approved by lunchtime the following day. The funds were in my account by close of business the next business day. And the service along the way has been great!"

Tamar Newcastle
Sydney Morning Herald - Borrowers

"Watch out big banks, here comes RateSetter"

News - Borrowers

"RateSetter may be about to revolutionise the unsecured credit sector in the same way Aussie and Wizard rocked the mortgage market in the 1990s"


Frequently asked questions

Take care of your finances

Get a RateEstimate now

RateSetter personal loan repayment terms range from a minimum of 6 months to a maximum of 5 years. Interest rates range from 4.0% p.a. (comparison rate 11.17% p.a.) to 17.9% p.a. (comparison rate 18.43% p.a.), subject to change depending on the rates offered by lenders in our Lending Markets.

*Representative example: Based on $10,000 loan with a 36 month term for a borrower with a good credit history at a comparison rate of 11.17% p.a. the estimated total amount payable including all applicable fees is $11,815 (interest payable is $1,337.40).

Rates stated as at 6 November 2018 and are subject to change. RateSetter credit criteria and terms and conditions apply.

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