Fixed rate *
4.25 % p.a.
Comparison rate *
4.25 % p.a.
Application fee *
Monthly fee *
Enjoy our exclusive car loan for educators, and their immediate family!2
With an epically low rate of 4.25% pa and no application fees – there’s never been a better time to buy your dream car. So, what’s stopping you?
On top of an awesome 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.
- No application fees – exclusively for the SA education community, and their immediate family.2
Our Online-only Special Fixed Car Loan is exclusively for employees of the South Australian Education Community and students carrying out studies in education, and their immediate family.2 It’s available on loans from $5,000 and applies to new and used cars less than 5 years old.
Plus, our extended opening hours mean you’ll be able to chat with our Adelaide based team when it’s convenient for you – no need to rush or stress.
No application fees
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
Start your application now
Are you ready? Let's do this.
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.
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.
SALA for Schools
We are proud to be the Education Partner of the SALA Festival and support student participation in the 2021 SALA Festival by providing FREE registration to all schools and pre-schools.
School Community Rewards
School Community Rewards provides a regular financial benefit for your school without having to donate any time or money. So far, our School Community Rewards program has raised a grand total of $425,939.05 for participating South Australian Schools!
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.
FREQUENTLY ASKED QUESTIONSView all Loans FAQs
You can apply for a Car or Personal Loan through any of the following methods.
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.
GUIDES AND NEWS
You can contact us by calling us, visiting us, making an appointment, or using Secure Mail.
We’re here to answer any questions you might have – make sure you have your Access Code ready!
400 King William Street, Adelaide has self-service options available to make your life easier.
Mobile Lending Managers
Our Mobile Lending Managers can help our members by phone or email, with video calls now available.
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 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.
µ︎For new business only. To qualify for the online-only product, applications must be completed using the online form.