Home loans, car loans and personal loans
Loans from Credit Union SA help you do more with your money.
Whatever you have your heart set on, whether it’s a deposit for your first home, a new car, a beautiful wedding, or something else entirely, getting a loan doesn’t have to be difficult.
We’re here to help South Australians do more with their money, so that in turn they can make more of life. That could involve help buying a home or car, saving for a holiday, insuring property, or simply getting the household finances under control.
Help me to...
Buy my first home
Buying your first home can be both exciting and overwhelming. After all, it’s your first step onto the property ladder and quite possibly your first major investment.
Buy my next home
You may have grown out of, or are tired of your current home. Perhaps your children have grown up and left the nest, or your work circumstances have changed and you need to relocate. Either way, the first step is to work out your requirements.
Refinance my home loan
Even a small reduction to your interest rate can save you thousands of dollars over the term of your loan. On top of saving yourself money, there are many reasons why you might consider refinancing your home loan.
Purchase an investment property
Property investment can be a very rewarding endeavour. But it does require careful and thorough planning in order to maximise your returns and manage taxation issues.
Fast pre-approvals to let you shop with confidence.
Buying a vehicle should be exciting. So to help you enjoy the thrill of the chase, Credit Union SA will help you out with a fast and easy car loan pre-approval.
Our loans can be used for new or not-so-new cars, motorcycles, boats or caravans. You can even refinance an existing car loan from another provider.
Help me to...
Choose my car
Are you wanting to buy a new car but not sure where to start? We’ve created a list of useful websites that could help you find your perfect match.
Buy a car
Owning your own car is a great feeling, but the glow wears off quickly if it forces you to sacrifice the good things in life.
Insure my car
Allianz Motor Insurance through Credit Union SA has a great range of features and benefits designed to suit customers with different needs.
Help me to...
Go on a holiday
Although this certainly isn’t something to rush, the sooner you can finalise your itinerary and travel plans the better.
Save and budget
Whatever you have your heart set on, whether it’s a deposit for your first home, a new car, a beautiful wedding, or something else entirely, saving for it doesn’t have to be difficult.
Save while paying off debt
A recent report from the OECD found that Australians have one of the largest household debts in the world. So, it’s no surprise that a lot of us feel like we will never get out of debt.
Own your banking: The credit union difference
At Credit Union SA, we offer all the same services as a bank but with one very important difference - our highest priorities are our members and our community.
Our car loans offer multiple repayments options. Please check the product details for weekly, fortnightly and monthly options.
Struggling to save up enough of a deposit to buy your first home or first investment property? Then our Family Guarantee could be just the thing to get you into a place you can call your own. Our Family Guarantee enables first home buyers with limited savings to enter the property market sooner*.
Here's how it works – If your parents or other family members have equity in their home, investment property or have a Term Deposit with Credit Union SA, you can use that equity or investment to guarantee a portion of your loan.
Which family members can provide a Family Guarantee?
Credit Union SA will consider the provision of guarantees by other immediate family members where a guarantee from the above-mentioned family members would not be appropriate.
When can a Family Guarantee be used?
Guarantees from family members can only be provided to assist first home buyers/investors to:
- purchase a new property;
- purchase an established property;
- build a new home.
Where a borrower is entitled to a government grant, the entitlement will not be affected by the provision of a Family Guarantee. Family Guarantees will not usually be accepted by the Credit Union where offered to support borrowings for a second/subsequent property or for any other purpose.Download our Family Guarantee Guide
*Subject to responsible lending criteria.
Generate a Home Loans Key Facts Sheet (HLKFS) on our website.
A Home Loans Key Facts Sheet (HLKFS) will provide you with information about our standard home loans that you can compare with other financial institutions. To generate one you'll need to select the home loan product type and enter the loan amount and loan term.
You can apply for a Car or Personal Loan through any of the following methods.
You can contact us by calling us, visiting us, making an appointment, or using Secure Mail.
We’re here to answer any questions you might have – make sure you have your Access Code ready!
400 King William Street, Adelaide has self-service options available to make your life easier.
Mobile Lending Managers
Our Mobile Lending Managers can help our members by phone or email, with video calls now available.