Consolidating your debts involves rolling all of your existing debts (credit cards, loans etc...) into one personal loan - usually with a more competitive interest rate and lower fees. Doing this can help you take control of your debts and give you one manageable repayment to make.
If you're thinking about consolidating your debts and want to get on top of things, we can help you take control. Before you do anything, you should see how much the new loan repayments will be compared to what you're currently paying on your debts. Our debt consolidation calculator can help you work out the right loan, term, repayments and how often you make them.
As Australia's largest credit union, CUA profits are reinvested into our business, helping us to grow and invest in areas such as innovation and better member experiences.
Pay off your loan sooner without being charged a fee.
Make extra repayments to pay off your loan quicker without being charged a fee.
With $0 monthly fees, you can enjoy having a little extra money in your pocket.
Choose to make either monthly, fortnightly or weekly repayments to suit your income and budget.
Enjoy access to additional personal loan repayments with redraw>|.
Our local CUA team members can help you on the phone, in one of our branches or on our messaging app iM CUA.
Whatever your next goal is, our repayments calculator can help you find the personal loan that best suits your needs. It allows you to easily figure out your options and calculate how much you would need to pay back weekly, fortnightly or monthly.
* 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.
| Establishment fee | $175 |
| Monthly fee | $0 |
| Early payout fee | $0 |
You can quickly and conveniently apply for a personal loan from CUA online. All you need to apply are some documents and an internet connection. In fact, it only takes a few steps.
Mon - Fri: 8:00am - 8:00pm (AEST) Sat - Sun: 8:00am - 4:00pm (AEST)
Important information
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Rates current as at 17 July 2019 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.
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.
**** 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 $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.
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