Loans

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.

Home loans

A home loan that makes you feel at home

Find out more about our Special Offers, Home Loan Package, Standard Variable Rate Home Loans, Discounted Variable Rate Home Loans, and Fixed Rate Home Loans.

Compare home loans

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.

Read more

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.

Read more

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.

Read more

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.

Read more


Car loans

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.

Compare car loans

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.

Read more

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.

Read more

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.

Find out more


Personal loans

Renovations, holidays, weddings - our Personal Loans help you do more

We offer fixed rate or variable personal loans for renovations, holidays, weddings, and cars, with flexible loan terms and repayment options available.

Compare personal loans

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.

Read more

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.

Read more

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.

Read more

Make an appointment

Mobile Lending Managers

Our Mobile Lending Managers can help our members by phone or email, with video calls now available.

We’re here to help

Contact us

You can contact us by calling us, visiting us, making an appointment, or using Secure Mail.

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.

Learn more about us

FAQs

To check the current Home Loan rates on the different loans available, visit our rates page.

We offer Home Loan Offset Accounts on our Standard Variable Rate Home Loans and variable loans under a Home Loan Package. To find out more visit the Compare Home Loans page.

Providing you redraw a minimum of $500 at a time, you can redraw excess funds at any time for no fees. To find out more visit the Compare Home Loans page.

We offer a range of flexible repayment options.

There are two ways you can choose to receive your First Home Buyers Grant from Credit Union SA:

  1. Have it paid into an account of your choice after settlement. Please note the grant cannot be accessed prior to settle for new complete or established homes. If you are constructing, the grant will be paid on confirmation that the foundation has been poured.
  2. Choose to have it applied directly towards the settlement of your property purchase, or when constructing, the grant is paid when the foundation is poured.

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?

  • Parents
  • Parents-in-law
  • Step-parents

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.

To find out more about leveraging the equity in Mum and Dad's home so you can get into yours, have an obligation-free chat with one of our experienced staff, Mobile Managers or download our guide.

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.

Yes, our Personal Loans offer flexible repayment options, no fees for extra repayments, and no fees for early repayment of loan in full.

You can apply for a Car or Personal Loan through any of the following methods.

Apply online

Or,

Yes, you can get pre-approval in preparation for finding the wheels you want. Visit us at 400 King William Street, Adelaide or call us on (08) 8202 7777 for more information.

Latest news