Fixed rate *

5.59

%

p.a.

Comparison rate *

5.59

%

p.a.

Application fee *

$0

Monthly fee *

$0

Education Community Car Loan Special Fixed Rate☉︎§︎#^µ︎
*For more information on the rates, fees and charges that can apply please refer to our important information below. 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.

An exclusive car loan for educators, and their immediate family!2

At Credit Union SA we love to reward educators. That's why we’re offering employees of the South Australian Education Community and students carrying out studies in education, and their immediate family an exclusive car loan.2

Our award winning Education Community Car Loan includes:

  • No application fees – exclusively for the SA education community, and their immediate family.+

  • No monthly or early repayment fee.

  • 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.

    Plus, it's available on loans from $5,000 and applies to new and used cars less than 5 years old.

    So what are you waiting for? Get moving with our Education Community Car Loan today.

    Apply now

    No application fees

    Exclusively for the SA education community, and their immediate family.2

    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

    All Education Community Car Loan interest rates

    Product NameInterest RateComparison rate
    Education Community Online-only special Fixed Rate☉︎§︎#^µ︎4.99% p.a.4.99% p.a.
    Education Community Special Fixed Rate☉︎§︎#^µ︎5.59% p.a.5.59% p.a.
    Education Community Fixed Rate☉︎§︎^7.99% p.a.7.99% p.a.
    Education Community Variable Rate☉︎§︎13.60% p.a.13.60% p.a.

    Start your application now

    Are you ready? Let's do this.

    Apply online

    Details you’ll need to have handy to help you speed through this application:

    • your income and living expense details
    • information about any credit cards or loans you have.

    Apply online now

    Call or visit us

    Call us on (08) 8202 7777

    Visit us at 400 King William Street, Adelaide

    Budget planner calculator

    Owning your own car is a great feeling, but the glow wears off quickly if it forces you to sacrifice the good things in life. So the first step is to calculate how much you can afford to repay and how much you can spend.

    Add up all your monthly expenses, subtract that from your monthly income and whatever’s left – less a contingency for unforeseen costs – will be the amount you have available to potentially cover personal loan repayments.

    Budget Planner calculator

    Our award winning car loans

    Our award winning car 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.

    • 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

    The credit union difference

    At Credit Union SA, we offer all the same services as a bank but with one very important difference - our highest priorities are our members and our community.

    Learn more about us

    FREQUENTLY ASKED QUESTIONS
    View all Loans FAQs

    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.

    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.

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

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

    Apply online

    Or,

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

    Visit our Rates or Fees page to find out more.

    You certainly can, and on Variable Rate Home Loans you can make an unlimited amount of extra payments without penalty. For Fixed Rate Home Loans, there are limits as to how much extra you can put in. To find out more visit the Compare Home Loans page.

    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.

    ^

    The interest rate is fixed for the life of the loan up to a maximum of 7 years.

    µ︎

    For new business only. To qualify for the online-only product, applications must be completed using the online form.

    1

    This offer is limited and is subject to change at any time. *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.

    2

    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.