A secured car loan is one where your car is used as security against the loan.
This means if you were ever unable to make your loan repayments, the lender could sell your car to recover the money they loaned you
An unsecured car loan means your car isn’t taken as security which means there’s much more risk involved for the lender. So, if you were ever unable to make your loan repayments, it’s a lot harder for lenders to get their money back.
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Frequently asked questions
View all Loans FAQsIn order to work out how much you can borrow, it depends on a number of variables including your income and your savings. Call us on 13 8777 to find out more, or use our calculators to get an idea of how much you might be able to borrow.
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 13 8777 for more information.
View all of our current interest rates. Calculate and compare personal loans.
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.
Or,
- Use the online application service on Internet Banking
- Make an appointment with one of our Mobile Lending Managers
- Call us on 13 8777
- Visit us at 400 King William Street, Adelaide
Our car loans offer multiple repayments options. Please check the product details for weekly, fortnightly and monthly options.
If you’re worried about keeping up with your loan or credit card repayments, or something’s changed in your circumstances, you should always let us know.
Please visit our Financial Hardship Assistance page or contact us to discuss how best we can help – there are a range of ways we can support you. We know how difficult it can be to ask for help, but we care and we’re here to listen and help however we can.
How we
can help
Contact us
You can contact us by calling us, visiting us, making an appointment, using Web Chat or Secure Mail.
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We’re here to answer any questions you might have – make sure you have your Access Code ready!
Visit us
Our friendly staff at 400 King William Street, Adelaide can help you with all your banking needs.
Make an appointment
Don't have time to visit us? We can come to you! Book an appointment with us now.
INFORMATION YOU SHOULD KNOW
The special fixed rate personal loan and the online-only special fixed rate personal loan are available when secured by a new or used vehicle less than 5 years old. The fixed rate personal loan is available when secured by a vehicle between 5 and 10 years of age. The variable rate personal loan is unsecured.
The target market for this product can be found within the product’s Target Market Determination (TMD), available at creditunionsa.com.au/legal/terms-and-conditions/target-market-determination.
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Conditions, fees and lending criteria apply and are available on request. Interest rates are subject to change without notice. Comparison rates are based on a $30,000 secured loan over 5 years. WARNING: Comparison rates are 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.§︎
The special fixed rate personal loan and the online-only special fixed rate personal loan are available when secured by a new or used vehicle less than 5 years old. The fixed rate personal loan is available when secured by a vehicle between 5 and 10 years of age.#
The interest rate is fixed for the life of the loan up to a maximum of 7 years.^
For new business only. To qualify for the online-only product, applications must be completed using the online form.