Fixed rate *
5.59 % p.a.
Comparison rate *
5.93 % p.a.
Application fee *
Monthly fee *
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.
No fees for extra repayments
Lock in your rate
For up to 7 years.
Redraw your extra repayments
At no cost.
Flexible payment options
Choose to pay weekly, fortnightly or monthly.
Special Fixed Rate Car Loan fees
Other fees and charges may apply.
^This fee does not apply if you are entitled to receive Education Community Banking Benefits.
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.
Our borrowing power calculator can provide you with an indication of how much you might be able to borrow.
Factor in any spare funds you have to contribute, subtract an allowance for Motor Insurance and on-road costs or stamp duty and the calculator will show roughly how much you can afford to spend on the car.
Special Fixed Rate Car Loan
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
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
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.
§︎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.
^For new business only. To qualify for the online-only product, applications must be completed using the online form.
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
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.