Fixed rate *
4.25 % p.a.
Comparison rate *
4.73 % p.a.
Application fee *
Monthly fee *
With an epically low rate of 4.25% pa and a comparison rate of 4.73% pa* – 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.
Our online-only car loan is available on loans from $5,000 and applies to new and used cars less than five years old. Plus, since we’re 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 talk when it’s convenient for you – no need to rush or stress.
No monthly or early repayment fees
No fees if you want to redraw any of your extra repayments
The ability to lock in your rate for up to 7 years
The flexibility to make weekly, fortnightly or monthly repayments
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.
Establish a realistic budget
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.
Mobile Banking App
Available for both Apple and Android smart devices, the Credit Union SA Mobile Banking App allows you to utilise all the best functionality of our website and Internet Banking services – anytime and anywhere you have an internet connection.
Digital wallets can be used to pay for purchases via a Credit Union SA Visa Debit Card or Visa Credit Card loaded into your smart device, wherever mobile payment systems are offered.
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