Car Loans

Fast pre-approvals to let you shop with confidence.


A secured car loan is one where your car is used as security against the loan.

This means if you were ever unable to make your loan repayments, the lender could sell your car to recover the money they loaned you

An unsecured car loan means your car isn’t taken as security which means there’s much more risk involved for the lender. So, if you were ever unable to make your loan repayments, it’s a lot harder for lenders to get their money back.

Learn more

Compare Car Loans

What’s your Borrowing Power?

Find out now

Determine what amount a lender may lend you based on your income and expenses.

Ready to apply or want pre-approval?

Start application

Start your application online or call us on (08) 8202 7777.

Frequently asked questions
View all Loans FAQs

In order to work out how much you can borrow, it depends on a number of variables including your income and your savings. Call us on (08) 8202 7777 to find out more, or use our calculators to get an idea of how much you might be able to borrow.

Yes, you can get pre-approval in preparation for finding the wheels you want. Visit us at 400 King William Street, Adelaide or call us on (08) 8202 7777 for more information.

View all of our current interest rates. Calculate and compare personal loans.

Yes, our Personal Loans offer flexible repayment options, no fees for extra repayments, and no fees for early repayment of loan in full.

You can apply for a Car or Personal Loan through any of the following methods.

Apply online

Or,

We offer a range of flexible repayment options.

If you’re worried about keeping up with your loan or credit card repayments, or something’s changed in your circumstances, you should always let us know.

Please talk to us on the phone or send a Secure Mail in Internet Banking to discuss how best we can help – there are a range of ways we can support you. We know how difficult it can be to ask for help, but we care and we’re here to listen and help however we can.

INFORMATION YOU SHOULD KNOW

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

Education Community Banking Benefits are available to any employee (current or retired) of the South Australian education community and students carrying out studies in education, and their immediate family (parents, children, grandparents, grandchildren, siblings and partners only).

The special fixed rate personal loan and the online-only special fixed rate personal loan are available when secured by a new or used vehicle less than 5 years old. The fixed rate personal loan is available when secured by a vehicle between 5 and 10 years of age. The variable rate personal loan is unsecured.

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 canstar.com.au for details of Credit Union SA’s awards.

The target market for this product can be found within the product’s Target Market Determination (TMD), available at creditunionsa.com.au/legal/terms-and-conditions/target-market-determination