Special Fixed Rate Car Loan

If you're looking for a great deal then a Credit Union SA fixed car loan rate lets you trade up.

Featured Car Loan

Special Fixed Rate - Principal & Interest☉︎§︎#

Interest rate




Comparison rate




Establishment 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 car loan is available on loans from $15,000 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 phone hours mean we’ll be able to help when it’s convenient for you – no need to rush or stress.

Apply now

No fees for extra repayments

Even if you pay your loan off early in full.

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.

All Special Fixed Rate Car Loan interest rates

Product NameInterest RateComparison rate
Online-only special Fixed Rate☉︎§︎#^8.69% p.a.9.19% p.a.
Special Fixed Rate☉︎§︎#8.99% p.a.9.35% p.a.
Fixed Rate☉︎#10.99% p.a.11.35% p.a.
Variable Rate☉︎13.60% p.a.13.97% p.a.

Special Fixed Rate Car Loan fees



Establishment Fee

Payable when you apply for a new personal loan or an increase to an existing personal loan.^


Payable when your online-only special fixed rate personal loan is approved and funded.^


Monthly Fee

There are no monthly fees.


Redraw Fee

There are no redraw fees.


Security processing fee

Payable when your loan is to be secured by a motor vehicle


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.

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

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


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 visit our Financial Hardship Assistance page or contact us 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.

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.

Borrowing Power calculator

Our award winning car loans

Special Fixed Rate Car Loan

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



Conditions, fees and lending criteria apply. Interest rates are subject to change without notice. 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 and the fixed rate Tesla Powerwall loan are unsecured.


The interest rate is fixed for the life of the loan up to a maximum of 7 years. For the Tesla Powerwall Loan, the rate is fixed for up to 5 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.