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Special Fixed Rate Car Loan Canstar 5-Star Rating for Outstanding Value

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

On top of a great rate, you’ll also enjoy:

  • No monthly or early repayment fees.
  • The ability to lock in your rate for up to 7 years.
  • The flexibility to make weekly, fortnightly or monthly repayments.
  • No fees if you want to redraw any of your extra repayments.

Our award-winning car loan is available on loans from $5,000 and applies to new and used cars less than 5 years old. Plus, as a local South Australian company you’ll be able to talk to our Adelaide based team. And our extended opening hours mean we’ll be able to help when it’s convenient for you – no need to rush or stress.

Apply now Call us (08) 8202 7777


No fees for extra repayments

Even if you if you pay your loan off early in full.

Lock in your rate

For up to 7 years.

Redraw your extra repayments

At no cost.

Choose to pay

Weekly, fortnightly or monthly.

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     

Lending criteria, fees and conditions  apply and are available upon request. *Comparison rate is based on a secured loan of $30,000 fixed over 5 years. WARNING: This comparison rate is true only for the example 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.