Join 70+ million Revolut customers

$46,000 loan

Get your plans off the ground with a $46,000 personal loan. Apply to borrow from $5,000 up to $50,000, with a fixed interest rate throughout the term of your loan, and stretch your repayments over 1 to 7 years for ultimate flexibility. Comparison rates from 6.17% p.a.¹

Get a quote

How to borrow $46,000 with Revolut

Whether it's for a holiday or home renovations, kickstart your goals with our competitive, fixed-rate loans. Apply for a loan in 3 steps.

  • 1. Get your personalised rate

    It's obligation-free, won't impact your credit score, and only takes a minute.

  • 2. Apply via our app

    Complete your application, submit documents securely, track progress, and chat with us — all in-app.

  • 3. Receive cash instantly

    If your application is approved, you'll receive the funds straight away in your Revolut account.

Let's crunch some numbers

What your $46,000 loan could look like

Empower yourself with all the facts upfront before you commit to a loan.

Imagine you borrow $46,000 for 60 months with a fixed interest rate of 6.17% p.a. (comparison rate of 6.17%¹).

With no monthly fees and no early repayment fees, the estimated total amount you'll pay over the term of the loan is approximately $54,638 (including total interest), in monthly instalments of $911.

Example only. Get your quote to see your personalised rate and repayment amount. Upfront establishment fees may apply.

Tick those boxes

Am I eligible for a $46,000 loan?

Here are some of the eligibility criteria we check when you apply for a loan, although we may also consider other factors. To be eligible, you need to:
  • be at least 18 years old
  • be an Australian citizen or a permanent resident (temporary residents are not eligible)
  • have a good credit history (with no adverse events like late loan payments)
  • be employed (for at least 1 year if self-employed)
  • have a minimum income of $2,000 per month after tax (approximately $26,000 per year before tax)

We'll also assess your ability to afford the loan and make sure it meets our responsible lending obligations.

Get a quote

Trusted by 70+ million global customers

Get a quote for a $46,000 loan today

Borrowing money should be clear and simple — that's exactly what you get with our personal loans. But Revolut offers so much more than that. Check out our reviews and see for yourself.

Rating as of 23 Mar 2026

4.8 / 5

31K Reviews

4.6 / 5

3.9M Reviews

The lowdown on pricing

Get fixed interest rates with your $46,000 loan

We've got fixed rates we're sure you'll love, with comparison rates from 6.17% p.a.¹ But don't take our word for it — get a personalised quote today.Get a quote

No surprise fees when you borrow $46,000 with Revolut

Confidently know what you're paying when you get a loan with Revolut. You'll see all costs, terms, and interest rates upfront before you sign — and there are no monthly, ongoing, or early repayment fees.²Get a quote today

Why choose Revolut?

Need a little more help?

$46,000 loan FAQs

  • Yes, you can apply for a $46,000 loan with us. We offer personal loans that can cover various needs, including car purchases, home improvement projects, holidays, refinancing, and other personal uses. Get a quote to see if you're eligible. Visit our Help Centre to find out more about the loan application process and how we determine your loan eligibility.
  • You most likely won't be eligible for a loan with Revolut if you have a poor credit history or current overdue debts. You can get a personalised quote without impacting your credit score. If you're not eligible due to information in your credit file, we’ll let you know.Read more about our credit reporting policy.
  • These are some of the eligibility criteria we'll check when you apply for a loan, although we may take additional factors into consideration. To be eligible, you need to:
    • be at least 18 years old
    • be an Australian citizen or a permanent resident (temporary residents are not eligible)
    • have a good credit history (with no adverse events like late loan payments)
    • be employed (for at least 1 year if self-employed)
    • have a minimum income of $2,000 per month after tax (approximately $26,000 per year before tax)

    We'll also assess your ability to afford the loan and make sure it meets our responsible lending obligations.

    Find out more about loan eligibility in our Help Centre.

  • Getting a quote to find out your personalised rate won’t impact your credit score. If you choose to proceed with the quote, we’ll record a credit enquiry with the credit reporting body, Illion Data Registries Pty Ltd. We’ll only do this when you’ve seen a consents screen and agreed to us running a credit bureau hard check before you submit your application for review.

    Read more about our credit reporting policy.

  • You can apply for a loan in 3 steps.

    1. Get your personalised rate. It's obligation-free, won't impact your credit score, and only takes a minute.
    2. Apply via our app. Complete your application, submit documents securely, track progress, and chat with us — all in-app.
    3. Receive cash instantly. If your application is approved, you'll receive your funds straight away in your Revolut account.

    In some cases, we might need more documents from you. If that happens, it could take us longer to make a decision.

  • If you're struggling to make a repayment or think you might struggle to do so in the future, please contact us via chat or email. We’re here to help, and we’ll discuss ways you can manage your repayments. If you miss a payment, you may pay late payment interest. We may also report your missed payments to the credit bureau. This might show up in your credit file and negatively impact your credit history. We’ll update your file every month to reflect the status of your repayments and the amount you owe.
  • The minimum loan term is 1 year, and the maximum loan term is 7 years. You can also make extra repayments to repay your loan early without any penalty fees.
  • Each of your monthly repayments will consist of both the interest and the principal portion of the loan. As you continue to make payments, you'll start to pay less interest as the principal loan amount decreases, and pay off more towards the remaining principal balance. We’ll take your repayments directly from your Revolut AUD account. Make sure you have enough money in your account on your scheduled monthly repayment date.Read more about credit repayments.
  • Unemployed applicants will be declined. You need to be employed or self-employed for at least 1 year to be eligible for a Revolut loan, with a minimum income of $2,000 per month after tax (approximately $26,000 per year before tax). Read more about loan eligibility requirements in our Help Centre.
  • If you're eligible, you can request a personalised quote in minutes. After that, it only takes a few more minutes to download the Revolut app, complete your application, and submit it for review. We'll then aim to get back to you with our decision within 1 business day. In some cases, we may ask for additional documentation from you. If this happens, we'll need more time to make a decision. If your application is approved, we'll send you an offer for you to review. Once your loan documents are received and accepted digitally, we'll add the funds instantly to your Revolut wallet. Find out more about the loan application process and how we determine your loan eligibility.

¹Based on customers with excellent credit history, calculated on an unsecured personal loan of $10,000 and a 3-year term.
WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate. Application approval and interest rate is subject to assessment. Terms, conditions, fees and charges, and eligibility criteria apply.

²Upfront establishment fees may apply.