Lenders appear to be increasingly wary of their exposure to the consumer finance market, with a number increasing personal loan rates over the past month and cutting back on credit card balance transfer offers.

According to the latest Mozo Banking Roundup, lenders that increased personal loan rates in April include Community First Bank, Easy Street, Gateway Bank, loans.com.au and Unity Bank.

Community First increased its fixed personal loan rate by 100 basis points to 9.99 per cent, its car loan rate by 30 bps to 6.29 per cent and its green car loan rate by 35 bps to 5.89 per cent.

Easy Street also increased its unsecured personal loan rate by 100 bps, to 8.99 per cent.

In the credit card market, American Express cut the bonus points offer on is Qantas Ultimate Card from 100,000 Qantas points to 60,000.

HSBC reduced the zero-rate balance transfer offer period on its low rate card from 20 to 12 months. humm removed the balance transfer offer on its Platinum Mastercard.

Qantas Money increased the annual fee on its Qantas Premier Everyday card from $49 to $99, and Suncorp increased the purchase rate on its Clear Options Golf card by 24 bps and increased the annual fee.

The latest APRA banking statistics show that a number of lenders have allowed their personal loan books to run off over the past year. They include ANZ, NAB, Westpac, Bendigo and Adelaide Bank, Bank of Queensland, Macquarie Bank and AMP Bank.

Macquarie announced last month that it is getting out of the car loan market.