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
Tools
Borrowing power calculator
Get a realistic estimate of your borrowing capacity based on your likely income and expenses.
Extra repayments calculator
Find out how much faster you'll pay off your loan - and how much interest you'll save.
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.