Fixed rate *

4.99

%

p.a.

Comparison rate *

4.99

%

p.a.

Application fee *

$0

Monthly fee *

$0

Education Community Car Loan Online-only 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.

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

With an epically low rate of 4.99% 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 phone 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.

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

Supporting Education

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.

Find out more

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!

Find out more

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

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.

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.

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).

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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.

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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.