Personal Loans

Personal loans to suit more personal needs

We have loans to suit all kinds of goals. Choose one to learn more.
  • New or used car
  • Debt consolidation
  • Renovations
  • Holiday
  • Education

New or used car

New or used car

Whether you’re after a new or used vehicle, a CUA Car Loan can give you the freedom to make extra repayments and pay it off sooner without being penalised - unlike some dealer finance. See which loan suits your needs.

Secured Fixed Car Loan
New and used cars up to 7 years old
The car you are buying can be used as security for a loan up to $100,000.
  • Loans from $5,000 to $100,000^
  • $0 Monthly fees
  • $0 Early payout fees
  • Unlimited fee free extra repayments
6.79
%
p.a*
7.16
%
p.a*
Comparison Rate*
Unsecured Fixed Personal Loan
Used cars over 7 years old
Fixed repayments on loans up to $50,000 for used cars over 7 years old.
  • Loans from $5,000 to $50,000^
  • $0 Monthly fees
  • $0 Early payout fees
  • Unlimited fee free extra repayments
9.89
%
p.a*
10.14
%
p.a*
Comparison Rate*
Unsecured Variable Personal Loan
Used cars over 7 years old
Flexibility in repayments on loans up to $30,000 for used cars over 7 years old.
  • Loans from $5,000 to $100,000
  • $0 Monthly fees
  • $0 Early payout fees
  • Unlimited fee free extra repayments
11.89
%
p.a*
12.15
%
p.a*
Comparison Rate*

Debt Consolidation

Debt Consolidation

Consolidate all your current debts into one personal loan with a competitive interest rate to take control.

Unsecured Fixed Personal Loan
Peace of mind knowing that your repayments will not change.
  • Loans from $5,000 to $50,000^
  • $0 Monthly fees
  • $0 Early payout fees
  • Unlimited fee free extra repayments
9.89
%
p.a*
10.14
%
p.a*
Comparison Rate*

Renovations

Renovations

Repairs or a refresh, maintaining your home can help you to save money in the future, make it feel more homely and increase the value of your property.

Unsecured Fixed Personal Loan
Peace of mind knowing that your repayments will not change.
  • Loans from $5,000 to $50,000^
  • $0 Monthly fees
  • $0 Early payout fees
  • Unlimited fee free extra repayments
9.89
%
p.a*
10.14
%
p.a*
Comparison Rate*

Holiday

Holiday

Dream holiday, honeymoon or just haven’t been away for a while, a CUA Personal Loan can take you there.

Unsecured Fixed Personal Loan
Peace of mind knowing that your repayments will not change.
  • Loans from $5,000 to $50,000^
  • $0 Monthly fees
  • $0 Early payout fees
  • Unlimited fee free extra repayments
9.89
%
p.a*
10.14
%
p.a*
Comparison Rate*

Education

Personal loans for education

A CUA Personal Loan can help you further your own career with an MBA, short course or study fees not covered by government HECS-HELP loans or assistance.

Unsecured Fixed Personal Loan
Peace of mind knowing that your repayments will not change.
  • Loans from $5,000 to $50,000^
  • $0 Monthly fees
  • $0 Early payout fees
  • Unlimited fee free extra repayments
9.89
%
p.a*
10.14
%
p.a*
Comparison Rate*
Unsecured Variable Personal Loan
Enjoy the flexibility of not being locked into a fixed interest rate.
  • Loans from $5,000 to $100,000
  • $0 Monthly fees
  • $0 Early payout fees
  • Unlimited fee free extra repayments
11.89
%
p.a*
12.15
%
p.a*
Comparison Rate*

Reasons to choose a CUA Personal Loan

Our personal loans offer competitive rates which can help you reach your goal sooner.

No monthly fees

With $0 monthly fees, you can enjoy having a little extra money in your pocket.

Unlimited extra repayments

Extra repayments without penalty and access the money if you need with free redraw.**

Flexible repayment options

Choose to make either monthly, fortnightly or weekly repayments to suit your income and budget.

No penalties for early payout

Pay off your loan sooner without being charged a fee.

Calculators

What are my repayments?

A guide to what your personal loan repayments could be.

How quickly can I pay it off?

Discover how soon you can repay your loan.

Related Loan Articles

Learn some handy tips.

A personal loan just for you

Why choose a CUA Personal Loan?

  • Icon for Free redraw
    Free redraw<|
  • Icon for No monthly fees
    No monthly fees
  • Icon for No penalties for early payout
    No penalties for early payout
  • Icon for Unlimited extra repayments
    Unlimited extra repayments
Apply now

Latest Articles

Variable versus fixed interest rates on a loan

What’s the difference between a fixed and variable rate loan and what are the benefits of each?
October 19, 2017
Read More

Applying for a personal loan – what’s the process?

What are the steps you should follow for a smooth personal loan application and what information will you need to have at the ready?
October 26, 2017
Read More

Budgeting for the cost of running a car

As well as the up-front expense of buying a car, there are plenty of other costs to be factored in once you’re on the road.
October 12, 2017
Read More

What’s the difference between the interest rate and comparison rate?

Knowing the difference between the interest rate and comparison rate on a loan means making a fully informed decision is that bit easier.
October 29, 2017
Read More
Important information Important information Show content

Rates current as at 2 September 2020 and subject to change.

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.

For a loan amount of $30,000 over 5 years:

  • with a maximum fixed interest rate of 6.79% p.a. (7.16% p.a. comparison rate) for the Secured Fixed Car Loan, the estimated total amount payable (including fees) is $35,729.09.
  • with a maximum fixed interest rate of 9.89% p.a. (10.14% p.a. comparison rate) for the Unsecured Fixed Personal loan, the estimated total amount payable (including fees) is $38,322.33.
  • with a maximum variable interest rate of 11.89% p.a. (12.15% p.a. comparison rate) for the Unsecured Variable Personal loan, the estimated total amount payable (including fees) is $40,115.02

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. Rates are for unsecured loans only. 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.

** 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.

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

Borrow up to $60,000 online, over $60,000 in branch.