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Car and Personal Loans

Car Loans

Fast pre-approvals to let you shop with confidence.

Credit Union SA’s Car Loan ranks among Australia’s best value personal loans – again!

Credit Union SA’s Special Fixed Rate Car Loan has once again been awarded a 5-Star Rating for Outstanding Value by Canstar and also Mozo’s Experts Choice award for the fourth year in a row.

Canstar’s judges compared both cost and features across 229 new car loan products from 74 lenders, while Mozo’s experts analysed 286 personal loan products from 78 financial institutions as part of their judging process.

Rest easy with the stability of our low, fixed rate

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. And whichever of these purposes matches yours, you’ll have the peace of mind of knowing exactly what your repayments will be, with a low interest rate fixed for up to 7 years.

Apply now Compare loans Call us (08) 8202 7777


Multiple repayment options

Weekly, fortnightly or monthly.

Unlimited extra repayments

At no cost!

Redraw your extra repayments

Again, at no cost.

Penalty-free early payout

We’ll shake your hand, not your wallet.

Interest rates

Product Name Interest Rate Comparison Rate
Online-only special fixed rate personal loan2,3 4.25% pa 4.73% pa
Special fixed rate personal loan2 5.59% pa 5.93% pa
Fixed rate personal loan2 7.99% pa 8.34% pa
Variable rate personal loan 13.60% pa 13.97% pa


Fee Amount
Establishment Fee
Payable when you apply for a new personal loan or an increase to an existing personal loan.^$250
Payable when your online-only special fixed rate personal loan is approved and funded.^$350
Monthly Fee$0
Redraw Fee$0

Our award winning car loans

Special Fixed Rate Car Loan

Our Special Fixed Rate Car Loan has been awarded a 5-Star Rating for Outstanding Value by Canstar, and has also won Mozo Experts Choice Award for the fourth year in a row.

  • 2019  Canstar – a 5-Star Rating for Outstanding Value
  • 2019  Mozo Experts Choice
  • 2018  Canstar – a 5-Star Rating for Outstanding Value
  • 2018  Mozo Experts Choice
  • 2017  Mozo Experts Choice
  • 2016  Mozo Experts Choice

Education Community Car Loan

Credit Union SA’s Education Community Car Loan has been named one of the country’s best value personal loans in the Mozo Experts Choice Awards. The awards have been running since 2014 and are judged from a selection of 239 different personal loans.

Education Community Special Fixed Rate Personal Loan for vehicles up to five years old

  • Mozo Experts Choice Car Loan Award
  • Mozo Experts Choice Secured Personal Loan Award

Canstar Award 2019      Mozo Award Icon   Mozo Award Icon     

Want to do more with your money?

Stuck looking for the right car loan? Get moving and apply online for our online-only special low rate car loan. What’s stopping you?

That’s why we have put together this New Car Features Guide – so you know exactly what safety and convenience features you want before you start looking and seal the deal.

Lisa was determined to buy a new car on her own for the first time. With pre-approval and an idea of how much she might be able to borrow, Lisa was able to shop for her new car with confidence.

If you’re ready to apply for a car loan or even just thinking about it, getting an understanding of what you can afford to borrow in advance is really important.

Conditions, fees and lending criteria apply. Interest rates are subject to change without notice. Comparison rates are based on a secured loan of $30,000 with monthly repayments over a term of 5 years. WARNING: These 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.

Canstar’s Awards uses a methodology unique to Canstar, which compares institutions’ products and services and recognises the providers found to offer outstanding value. Visit for details of Credit Union SA’s awards.