Rating based on 21 reviews

People’s Choice

  • Personal loans up to $100,000
  • Low-interest starting from 5.64%
  • Repayment up to 7 years

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Author People’s Choice. Screenshot of People’s Choice website.
[Accessed May 2, 2023]

People’s Choice – We will go the extra mile for you

Seeing that life has been difficult with little to no money left at your disposal, we have seen to it that we make life a lot easier.

People’s Choice aims to give clients a financial break when they need it the most. With an online loan application, we will be able to determine based on the information you have given to us if we can grant you the loan or not.

Loan approval and disapproval

Should we not encounter any problems, we will proceed with the loan application and ensure that the money is in your account before you know it. On the other hand, should we not be able to give you a bad credit loan, we will ensure that we find you a lender that can assist. This way, we do all the work for you since we couldn’t help. We will ensure that you get a creditor that will be able to help you get back on your feet.

Resources for personal loans

The resources we have on our database are a list of all the registered Australian lenders. We will go from creditor to creditor until we find one that will be able to help you. This alone should be solid proof that we go out of our way to ensure that all our customers have got a personal loan, so they can take care of their financial needs.

With People’s Choice, you can rest assured that we are determined to give the client what they are looking for. Trust us, we are here for you.

Apply for a loan anytime 24/7

We have an online 24/7 service that you can peruse when you are applying for loans.

All you must do is fill in an online application form and we do the rest. Seeing that it is a 24/7 service, clients can apply any time of the day or night as opposed to being limited to working hours.

Free loan online application

It has come to our attention that other credit providers require certain charges for applications. At People’s Choice, the only time you will have to pay for something is when you have a quick loan with us. Everything is free for free!

Abiding by the terms and conditions

The terms and conditions you are given as a client should be taken quite seriously because failing to follow them will mean you may end up having bad credit due to failure to adhere to your financial obligations.

The first thing you need to understand is whether or not you will be able to pay for a personal loan. Think carefully before you apply for a personal loan. If you not quite sure that you will have the money in some months, you might want to reconsider the necessity of a personal loan.

As much as a personal loan is about helping you out during a difficult time, it will not benefit you if you are only seeking for an advance for now but you have no plan how you going to ensure that your loan is paid.

People’s Choice – Personal loan

  • Loan Type Personal loans
  • Interest Rate 5.6413.99% p/a
  • Loan Amount up to $100,000
  • Repayment 1 year to 7 years

Benefits of People’s Choice

  • Competitive interest rates
  • No monthly fees
  • Fast pre-approval

Personal loan calculator

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

Peoples Choice – We are with you all the way

Consolidate your loans into one personal loan

It is quite a big sum to pay for a number of loans every month. While you have to ensure that everything around the house is sorted, you also have to ensure that all your debts are covered.

The interests you are paying might as well add up to being equivalent to a new loan. However, when you take out a debt consolidation loan, you end saving a lot of money. Apart from saving which is the important part, you also might have money in excess now that you are not paying for all the interests charged on your loans. Combining your advances have been the only reason why people were able to come out of debt. We recommend it for every client who doesn’t want to pay a loan for all their lives.

What do I need to qualify for a personal loan?

  • The client must be 18 years or older
  • The client must be an Australian citizen or a certified permanent resident
  • The client must have a regular source of income
  • The client must have an operating banking account

If a client doesn’t meet any of the four requirements, it will be difficult for us to offer him a personal loan because these are mandatory prerequisites.

What requirements must I meet if I want to apply for the People’s Choice loan?

  • The client must be an Australian citizen or permanent occupant in Australia. Unfortunately, 457 Visa applicants are excluded.
  • The client must be 18 years or older.
  • Be employed on a full time, part time, self-employed or casual basis. Casual employment must be greater than 6 months.
  • Have no due defaults
  • Not be insolvent or have a court sentence
  • Centrelink must not be the only source of income. It can serve as a secondary source
  • The client must not have operating payday loans
  • The applicant must be a single loaner
  • The client must be able to pay the loan between a period of 18 – 84 months
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People’s Choice is a trusted & reliable provider of personal loans

In our review, People’s Choice adheres to the compliance criteria in accordance with the National Consumer Credit Protection Act 2009, where the granting the loan will not cause financial distress to the consumer.

✅ People’s Choice is a registered credit provider in Australia: ACL 244310

Customer Reviews & Testimonials

I am able to get a flexible unsecured personal loan from COMPANY NAME at an affordable fee.

Heidi H
— Gold Coast —

I needed a small personal loan that I could pay back ASAP without it costing me an arm and a leg, People's Choice was able to offer me that and more. I would recommend them!

Elena M
— Newcastle —

I originally applied for my personal loan online, but later needed to talk to someone about altering my repayment terms. The call staff I spoke to were able to assist me immediately and the exper...

Peyton C
— Townsville —

People’s Choice Contact

Contact Number


  • not available


Physical Address

Postal Address

  • People's Choice Credit Union GPO Box 1942 Adelaide SA 5000

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:30 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed