Australia, June 2026
Which brands lead personal loans in AI search in Australia?
Harmoney leads what AI recommends for personal loans in Australia, but 46% of the citations go to affiliate and comparison sites rather than the providers.
A snapshot of who AI is recommending right now, not a fixed ranking.
The exact prompt we asked
I want a personal loan in Australia with a low rate. Which lenders have the best personal loan rates right now? Give me a ranked top five of named lenders, each with the rate and a one-line reason.
Asked to ChatGPT, Gemini and Google AI Overviews, up to 100 times each. Everything below is measured from their answers.
The short answer
AI is scattered on the best personal loan in Australia. ChatGPT and Gemini both name Liberty first, but only 14% and 56% of the time, while Google AI Overviews leads with Harmoney. Harmoney, OurMoneyMarket and NOW Finance are the three brands shared across all engines.
How consistent is the answer?
ChatGPT
Gemini
Google AI OverviewsDo the engines agree?
ChatGPTGeminiGoogle AI Overviews
Harmoney
NOW Finance
OurMoneyMarket
ING
Liberty
Plenti
RevolutEach cell shows where an engine ranks that brand. Blue rows are the brands every engine puts in its top five.
Recommendation share of voice
Which brands AI names
Share of runs each brand was named, by engine. Google showed an AI Overview in 89% of searches; its bars are measured over the runs where one appeared.
ChatGPT
Harmoney29%OurMoneyMarket22%Liberty20%NOW Finance17%Revolut13%
Westpac11%
CommBank9%
NAB7%
ANZ6%Gemini
Harmoney99%OurMoneyMarket99%NOW Finance99%Liberty90%ING45%
G&C Mutual Bank43%
MONEYME17%
MoneyPlace3%Google AI Overviews
NOW Finance88%OurMoneyMarket74%ING74%Harmoney64%Plenti49%MONEYME44%Liberty42%NAB38%CommBank27%Westpac19%Who wins the citations
What kind of sites get cited
This is what AI links to as its sources, which is not the same as the brands it names above. AI often recommends a provider by name but sends the citation to a publisher or affiliate instead, so “First-party brand” means a link to the provider’s own website. Here is the mix by engine.
ChatGPTGeminiGoogle AI OverviewsWhat the answers are really about
The themes behind the recommendations
Looking past the brand names, these are the concepts and buyer intent the AI answers kept returning to for this product. Each finding starts with what the engines foreground, then what it means for you.
AI answers for Australian personal loans revolve around the lowest advertised starting rate, but always qualified by credit score, whether the loan is secured or unsecured, and how reliable the quoted rate is.
Lowest advertised rate leads
ChatGPT, Gemini and Google AI Overviews rank lenders mainly by the lowest verifiable starting rate per annum, often shown alongside a comparison rate. Lenders that publish a clearly low and current advertised rate on their own site get placed at the top of the list.
Secured versus unsecured and credit tier
The answers stress that the cheapest rates are usually secured, car, green or special-purpose loans and that headline rates are reserved for excellent or top-tier credit scores. This separates lenders into best secured, best unsecured and best for excellent credit, so a provider's positioning depends on which loan type and borrower it serves.
Verification and rate caveats
ChatGPT in particular flags that it will only quote rates it can confirm from official lender pages and warns that from rates differ from the rate a borrower actually gets. Lenders with clear, current, official rate pages and transparent fee and comparison-rate detail are the ones the answers feel able to recommend.
Questions
People also ask
Which brands lead personal loans in AI search in Australia?
ChatGPT and Gemini name Liberty first, while Google AI Overviews leads with Harmoney. OurMoneyMarket and NOW Finance also appear across all three engines.
How consistent is AI when you ask for the best Personal loans?
About 60% of the top five overlaps, but the top pick is shaky. ChatGPT names Liberty first only 14% of the time, showing answers vary a lot.
What kind of websites does AI cite for Personal loans?
Affiliate sites dominate at 58%, with brand-owned pages at 35%. Aggregator and other sources make up only small shares.
More reports
Other Australia products in AI search
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