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Brisbane and the Gold Coast lead Queensland for highest credit scores

Home to Australia's most iconic beaches and islands, Queensland has some of the best natural landscapes. But is the state's credit score quite as spectacular? Read on to find out.

28 November 2021Stephen Smyth 2 min read
Brisbane and the Gold Coast lead Queensland for highest credit scores

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At ClearScore, we are always looking for insights into credit scores and regularly review trends in the data of our half a million users. We’ve uncovered which areas in Queensland have the highest and lowest credit scores. Is it yours?

Queensland has 5.7 million people living in Australia’s second largest state, covering an area seven times larger than Great Britain. With awesome beaches, islands and breathtaking inland landscapes, it’s no wonder that Queensland attracts so many people to live here. But this amazing scenery is not leading to amazing credit scores with the State having the lowest average credit score against all other Australian states and territories. Maybe it’s too much of a distraction?

State / Territory

Average Credit Score



Northern Territory




South Australia


New South Wales


Western Australia






Source: analysis of 450,000 users August 2021, Experian score

ClearScore looked at credit score amalgamated into areas defined as SA3 that cover geographic regions with populations of around 50,000 to 100,000. The outstanding performer was the Gold Coast Hinterland on the border with NSW with an average score of 735, putting them in bracket of some of the highest scores nationwide. Also in the top 10 were three other areas from the Gold Coast or just inland: Coolangatta (708), Mudgeeraba (700) and Beaudesert (699).

Four Brisbane suburbs also finished in the top 10 with Sherwood – Indooroopilly finishing top with 715. Brisbane Inner – west (707), the Hills District west of Brisbane (702) and Nathan (698) were next best. Finally, two areas from the Sunshine coast came in at 9th and 10th: Maroochy and Nambour – Pomona. Well done to all of these regions for being careful with their credit payments, we hope it means you get better deals on your home loans and credit cards!

Top Queensland areas

Average Credit Score

Gold Coast Hinterland


Sherwood – Indooroopilly




Brisbane Inner - West


Hills District


Mudgeeraba - Tallebudgera








Nambour - Pomona


If the top scoring areas were concentrated in coast areas to the south of the state, the lowest average scores came from a variety of areas across the massive diversity of Queensland.

In the Far North and Outback-North of Queensland including towns such as Cairns and Cooktown, Queensland recorded two of its lowest 3 average scores with Far North at 629 and Outback-North at 629.

Logan, in between Brisbane and the Gold Coast, recorded 3 of the lowest credit score averages in the state with Springwood – Kingston at 624, Loganlea – Carbrook (638) and Browns Plain at 640. Also in the bottom 10 was Gladstone, 500km north of Brisbane, the Central Highlands west of Rockhampton.

Bottom Queensland areas

Average Credit Score

Central Highlands


Gladstone - Biloela


Browns Plains


Darling Downs - East


Loganlea - Carbrook


Darling Downs (West) - Maranoa


Springfield - Redbank


Outback - North


Far North


Springwood – Kingston


Thankfully, the credit score of your area is very unlikely to mean that you won’t be able to get a credit card or a car loan. What is important is your own credit score. Do you know yours? It’s crucial that how you manage your own credit history is generally what banks and lenders will look at. Everyone can improve their credit score by focusing on the basics and tracking their score over time. A great way to do so is with ClearScore. Download the ClearScore app and keep track of your credit score and credit report for free, forever.

Curious about how other states performed? Check out them out below:

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Written by Stephen Smyth

Head of International Expansion

Stephen Smyth has worked in financial services since 1999, specialising in consumer credit. He has worked in banks and consumer credit companies in the United Kingdom, France, Spain, India, South African and has lived in Australia since 2013. He believes that people around the world can benefit from services liked ClearScore to make finances clearer, easier to understand and to find better deals to save money.