Personal Loans
Credit Union SA’s Car Loan ranks among Australia’s best value personal loans.
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.
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Special Fixed Rate Personal Loan (Vehicles up to 2 years old) |
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Special Fixed Rate Personal Loan (Vehicles up to 2 years old) |
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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 | 5.59% pa | 5.86% 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 |
Want to do more with your money?
Car Loans
Pre-approvals that can let you shop with confidence. Our loans can be used for vehicles including new and used cars, motorcycles, boats or caravans.
Visa Credit Card Apply now
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.
Home Loan Repayment Calculator
The Home Loan Repayment calculator allows you to calculate your repayments for different loans, for various terms and payment frequencies.
Borrowing Power Calculator
The Borrowing power calculator will determine what amount a lender may lend you based on your income and expenses.
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.