CUA Personal Loans

Continue an existing application

Continue


Why choose a CUA Personal Loan?

website_digital

Free redraw<|

branch

$0 establishment fee>|

branch

No monthly fees

branch

No penalties for early payout

branch

Unlimited extra repayments

Which Personal Loan suits me?

Secured Fixed Car Loan



Borrow from $5,000 to $100,000^

Unsecured Fixed Personal Loan



Borrow from $5,000 to $60,000^

Unsecured Variable Personal Loan



Borrow from $5,000 to $60,000^

Discounted Personal Loans

Discount Fixed Personal Loan



Borrow from $30,000 to $60,000

Discount Variable Personal Loan



Borrow from $30,000 to $60,000

Eligibility

  • 18 years of age or older
  • A permanent resident of Australia
  • Other loan criteria may apply

Fees

  • Establishment fee: $0>|
  • Monthly fee: $0
  • Early Payout fee: $0
  • Extra repayment fee: $0

Important information Important information Show content

Results are based on a single, full time PAYG income with no dependants. Any upfront costs that may be associated with the loan are capitalised in the loan amount. The results from this calculator should be used as an indication only. Results do not represent either quotes or pre-qualifications for a loan. The actual amount you can borrow may vary depending on factors including your verifiable net income, other debts or liabilities you have and the number of dependents you have. Lending is to approved applicants only and all lending is subject to a detailed credit assessment.

Repayment is for principal and interest and is indicative only based on the stated information. Changes in interest rates, repayment frequency and loan term will affect the repayment amount.

Assumptions

Expense Details and Default Values
Default annual expense allowance - The calculator assumes that the borrower has a minimum set of expenses of $16,500 based.
Maximum percentage of income available - currently set at 100% of income

Month
All months are assumed to be equal. In reality, many loans accrue on a daily basis this can lead to varying interest in different months.

Number of Weeks & Fortnights in a Year
One year is assumed to contain exactly 52 weeks or 26 fortnights. Thus the assumption is for a 364 day year.

Rounding
The calculator uses the unrounded payment to derive the amount of interest accrued over the full term of the deposit, however, institutions round repayments to the nearest cent.


Important information Important information Show content

Rates current as at 15 August 2017 and subject to change.

The calculations provided are estimates only and based upon the information entered into the calculator by the user. The calculations do not include upfront or continuing credit fees and charges. The resulting calculations do not constitute a loan application or variation to an existing CUA facility, loan offer or loan approval.

**Comparison rate calculated on a loan amount of $30,000 over a term of 5 years based on monthly repayments. Rates are for secured loans only. WARNING: This comparison rate is 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.

****Comparison rate calculated on a loan amount of $30,000 over a term of 5 years based on monthly repayments. Rates are for unsecured loans only. WARNING: This comparison rate is 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.

Choose the right loan suited for your needs

Important information Important information Show content

Rates current as at 15 August 2017 and subject to change.

Your loan contract will state the minimum monthly repayment amount. You can arrange with us to make repayments on a weekly or fortnightly basis.

Loans are issued by Credit Union Australia Ltd ABN 44 087 650 959 AFSL and Australian Credit License 238317 to approved applicants only. Lending criteria, terms, conditions, fees and charges apply. Ask us for details.

** Comparison rate calculated on a loan amount of $30,000 over a term of 5 years based on monthly repayments. These rates are for secured loans only. WARNING: This comparison rate is 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.

**** Comparison rate calculated on a loan amount of $30,000 over a term of 5 years based on monthly repayments. Rates are for unsecured loans only. WARNING: This comparison rate is 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.

A Security Administration Fee is payable to cover the administration costs associated with registering the security.

>| CUA may withdraw this offer at any time without warning. A $90 security administration fee applies to secured loans. Other fees and charges may apply.

<| A $200 minimum withdrawal amount applies for redraws conducted in-branch. Redraw facility is available for CUA Personal Loan products on offer from 6 June 2017.

* Loan term for a CUA Personal Loan ranges from 1 to 7 years. CUA Secured Fixed Car Loan is available for new and used vehicles up to 7 years old.

^ Drop in to your local branch for a loan from $1,000.