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Interest Rates by Borrower Credit Grade
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The interest rate on loans placed on Lending Hub are determined by the aggregate of bids placed by lenders (as long as the interest rate bid is under the borrower's set maximum interest rate).

Lending Hub monitors and analyses all interest rate and loan data and we will soon provide a summary of the average interest rates of all settled loans by borrower credit grade.

In the meantime you may wish to take a look at interest rate data provided by other Social Lending websites overseas however note that the average interest rate experienced in the US is likely to differ from Australian interest rates.

  • Prosper - Rates experienced on the US based P2P loan site
  • Lending Stats - Analysis rates on Prosper marketplace
  • Zopa - Some information about rates experienced on the UK P2P loan site

Disclaimer: Lending Hub provides this link solely to assist Lending Hub members to understand the relationship between credit grades and the likely interest rate premium. Lending Hub does not endorse the content of the any of the sites provided and cannot verify the accuracy of the information. We suggest that members compare personal loan interest rates provided by other Australian financial institutions prior to starting a Borrowing Application on Lending Hub.

How to get Started Borrowing or Lending

Step 1

Join the Lending Hub
community with a Screen
name, email
and password
(takes only 30 seconds!)



Join Lending Hub Now
Step 2

Start a loan listing
application. Tell lenders
how much you want to
borrow. You'll need your
personal and bank
account details

(takes about 10-15 mins) Start Borrowing Now
Step 3

We provide you with a credit grade (a small fee applies see Lending Hub Fees).


Select the maximum rate on your loan and then wait for lenders to start bidding!