Rating based on 29 reviews


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Author RateCity. Screenshot of RateCity website.
[Accessed May 26, 2023]

About RateCity

RateCity is a comparison website that allows Australians to find and compare a range of market-leading financial products including loans, credit cards, banking products, investment and superannuation.

If you need a loan or financial product but don’t know where to start or are simply looking for a better offer than the one you currently have this comparison site is the place to find it.

A focus on finance

While the majority of comparison sites on the market list and compare insurance and utility products above all else – RateCity focuses on financial products and is, therefore, able to bring you better quality and higher levels of accuracy than others who are simply all over the place.

Financial guides available

RateCity has made several very informative guides available to help consumers get informed and make the best financial decisions possible.

Unlike banks and alternative lenders who may try to convince you to make use of their products, this site is unbiased and will likely help you find a much better deal.

Simple and user-friendly website

One very important factor when it comes to comparing various comparison sites is how sleek, modern and user-friendly their websites are. No one likes advertisements cluttering every page of a site and, RateCity certainly doesn’t disappoint with a clean and easy to use interface.

RateCity Services

RateCity is a loan and financial product comparison site that allows you find and compare some of the leading and most competitive products on the financial market in just a few easy clicks.

Refinance or find a low rate loan

If you want a better deal on a personal loan perhaps it’s time to refinance with a low rate loan from another lender. If you’re looking to buy a home you can use this site to compare home loan interest rates and find the product that best suits you.

What you can compare:

  • Home loans
  • Car Loans
  • Personal Loans
  • Credit Cards
  • Savings Accounts
  • Transactional Accounts
  • Term deposits and other investment products
  • Superannuation

Transparency and clear terms

According to their site they compare over 13,000 products from 250 different lenders and update their information hourly to make sure they stay up-to-date and on point.

RateCity is very clear and transparent when it comes to the process they adapt to list lenders, how they make money and  what it is they aim to achieve.

RateCity – Loan comparison

  • Loan Type Loan comparison

Benefits of RateCity

  • Compare loans and save
  • Find the best deals on loans and credit cards
  • Online financial guides and tools

Loan comparison calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan comparison calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Get a loan with low interest & fees by comparing with RateCity!

One of the first steps when looking for a credit solution – whether it’s a quick loan or a credit card – is to read RateCity’s corresponding financial guide or relevant article.

Once you’ve read about the specific loan type you can then more easily understand how they are compared and what to look for when you’re faced with the loan comparison tables.

Using RateCity’s loan calculators

Once you’ve read the relevant guide you can then make your way to the calculator section which this site has conveniently made available to you.

Here you can figure out exactly how much you should or can borrow and even what you’re likely repayments will look like.

An advanced and accurate system

Just browsing the low-interest rate loan table on RateSetter will show you that this comparison website is likely much more accurate and diverse than many of the other out there since they even include peer-to-peer loans which are typically ignored even though they carry some of the lowest interest rates in the country.

Their system is advanced, very accurate and they display results in an unbiased manner with your search parameters respected to the highest possible degree.

Can I change my mind about the loan amount I want to borrow?

The client can always decide they want a greater or lesser amount on the basis that they qualify for a greater amount. Should you want an amount you don’t qualify for, we will decline your loan application and give you what we had agreed upon.

We always urge our clients to only apply for credit when there has been a reasonable need. This is where financial discipline comes in; you should only put yourself in debt if you faced with a financial emergency that can’t wait until your next payday or when you have money.

The last thing you want is to find yourself in unreasonable and unnecessary advance plans that weren’t part of your budget. It is the responsibility of every client to protect their credit profile.

Which is the best payment method?

The debit order payment method is the most convenient way of paying your loan. This is because everything is automated so there is no need to constantly remember when your credit plan is due.

The customer has to ensure that there are sufficient funds of his bank account on the day of the debit date.

man holding thumbs up

RateCity is a trusted & reliable provider of loan comparison

In our review, RateCity adheres to the compliance criteria in accordance with the National Consumer Protection Act, where the granting the loan will not cause financial distress to the consumer.

✅ RateCity is a registered credit provider in Australia: ACL 316710

Customer Reviews & Testimonials

November 2018

RateCity offers some of the most affordable credit deals. I am so happy with the amount I am paying on my loan.

Phyllis F
— Sydney —

April 2019

Applying for a loan using RateCity’s website was fast, quick and easy. Everything was self-explanatory.

Godfrey C
— Maitland —

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