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Once, twice, three times a winner.
We’re proud to have been awarded Australia’s Best Large Credit Union in the Mozo Experts Choice Awards for the third year in a row!
Reasons to choose a CUA Personal Loan
Combine your current loans, credit cards and other debts into one easy-to-manage loan that gives you a competitive interest rate and greater control.
No monthly fees
With $0 monthly fees, you can enjoy having a little extra money in your pocket.
Unlimited extra repayments
Make extra repayments without any fee, and pay your loan off sooner.
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.
Easy access to funds with redraw
Enjoy access to your additional repayments with redraw, so you can use it whenever unexpected costs arise.**
Competitive Rates
Our competitive personal loan interest rates can help you save.

Consolidate debt with a CUA Personal Loan

A CUA Personal Loan makes it easy to manage all of your debt in one payment with one competitive interest rate.

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 free extra repayments
9.39
%
p.a.*
9.64
%
p.a.*
Comparison Rate*
Apply online

Loan Fees

Looking after your money shouldn't be expensive. That's why we won't charge you monthly account fees on your Personal Loan.

Check our full schedule of fees for more details on fees for CUA Personal Loans.

CUA Personal Loan Privacy Notice
0
Monthly account fees
& early payout fee

Account Fees

Type
Fee
Establishment Fee
$175
Monthly Fees
$0
Early Payout Fee
$0

Calculate your loan repayments

Discover what you can afford and how much you will save with a CUA Personal Loan.~



Tell us about your loan

$
You can borrow between $5,000 and $50,000. Enter an amount between $5,000 and $50,000.
How often would you like your repayments?
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~ The graphical representation of loan calculations is not precise and is representational only.
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

Your repayments would be

$[repayment] per  month

Total interest payable

$[interest] over  [duration] years

How to apply

Ready to apply? You can apply online today!

01. Ensure you are eligible to apply
There are a few eligibility requirements you should be aware of before applying for a CUA Personal Loan.
02. Apply online
It should take about 20 minutes. You will need proof of ID and all current financial information.
03. Accept your loan contract
If approved, you will receive your loan contract to accept online.
04. Access your money
You can view your loan and repayment details in Digital Banking.
Are you eligible?
  • Must be at least 18 years of age
  • Be an Australian citizen or permanent resident
  • Be employed or receive regular income
  • Not be or have been insolvent or bankrupt
  • Have no past, present or pending claims against you
What you need to apply online
  • An email address and a contact number
  • Existing CUA Member number (if you already bank with us)
  • Australian Driver's Licence, Medicare or Passport Details
  • Employment and income details
  • Details of your assets, expenses and liabilities
More ways to apply for a CUA account
Call us on: 133 282
Mon - Fri: 8:00am - 8:00pm (AEDT)
Sat: 8:00am - 4:00pm (AEDT)
Visit one of our CUA Branches. Find a branch
CUA Personal Loan Privacy Notice

Tips for debt consolidation

Here are some handy tips to consolidate your debts for greater financial freedom.

Helpful tips to recover from post-holiday debt

Find out how the process works with our step-by-step guide to consolidating your debt.

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.