Personal Loans
Credit Union SA’s Car Loan ranks among Australia’s best value personal loans
Credit Union SA’s Special Fixed Rate Car Loan has been named one of the country’s best value personal loans in the Mozo Experts Choice Awards, taking out awards in both the Car Loan and Secured Personal Loan categories.
Choose from a fixed rate or variable
Both types of rates provide a choice of flexible loan terms and repayment options, have no monthly loan or account keeping fees, and no penalties for early repayment. But there are some factors that might sway you towards one or the other.
If you have a vehicle to use as security, a fixed rate personal loan provides budgeting certainty for a full seven years. So, it’s a great choice if you’re looking for budgeting certainty.
Alternatively, a variable rate may be a better choice if you don’t want to lock in your interest rate or don’t have a vehicle to use as security.
Features
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 |
|---|---|---|
| Special fixed rate personal loan | 5.99% pa | 6.26% pa |
| Fixed rate personal loan | 7.99% pa | 8.26% pa |
| Variable rate personal loan | 13.60% pa | 13.89% pa |
Fees
| Fee | Amount |
|---|---|
| Establishment Fee | $195 |
| Monthly Fee | $0 |
| Redraw Fee | $0 |
How we can help
Car Loans
Fast and easy pre-approvals, let you shop with confidence. Our loans can be used for vehicles including new and used cars, motorcycles, boats or caravans.
Netsave Account
Looking for a savings account that delivers great interest no matter how many deposits or withdrawals you make? Our Netsave Account ticks every box.
Visa credit card
Our Visa credit card has 0% pa^ balance transfer service, no ATM withdrawal fees*, up to 55 days interest-free on purchases and 24/7 fraud monitoring.
Access Account
Our Access Account is our fee free account with 24/7 banking, Apple Pay, Android Pay and Samsung Pay. Plus access over 3,300 rediATMs nationwide.
Tools
Extra repayments Calculator
This calculator will show the amount you can save if you make extra repayments at each period instead of the minimum amount.
Borrowing power Calculator
The Borrowing power calculator will determine what amount a lender may lend you based on your income and expenses.
Savings target Calculator
The Savings target calculator will determine what periodic payments you will need to make to achieve your savings goal.
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
Loan protection insurance is arranged by Credit Union SA as agent of Allianz Australia Insurance Limited ABN 15 000 122 850 AFSL 234708 and Allianz Australia Life Insurance Limited ABN 27 076 033 782 AFSL No. 296559. Before deciding to acquire a product, you should consider our disclosure documents to determine whether the product is suitable to your situation.