Personal Loans
Personal loans to suit more personal needs
- 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.
- Loans from $5,000 to $100,000^
- $0 Monthly fees
- $0 Early payout fees
- Unlimited fee free extra repayments
- Loans from $5,000 to $50,000^
- $0 Monthly fees
- $0 Early payout fees
- Unlimited fee free extra repayments
- Loans from $5,000 to $100,000‡
- $0 Monthly fees
- $0 Early payout fees
- Unlimited fee free extra repayments
Debt Consolidation
Debt Consolidation
Consolidate all your current debts into one personal loan with a competitive interest rate to take control.
- Loans from $5,000 to $50,000^
- $0 Monthly fees
- $0 Early payout fees
- Unlimited fee free extra repayments
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.
- Loans from $5,000 to $50,000^
- $0 Monthly fees
- $0 Early payout fees
- Unlimited fee free extra repayments
Holiday
Holiday
Dream holiday, honeymoon or just haven’t been away for a while, a CUA Personal Loan can take you there.
- Loans from $5,000 to $50,000^
- $0 Monthly fees
- $0 Early payout fees
- Unlimited fee free extra repayments
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.
- Loans from $5,000 to $50,000^
- $0 Monthly fees
- $0 Early payout fees
- Unlimited fee free extra repayments
- Loans from $5,000 to $100,000‡
- $0 Monthly fees
- $0 Early payout fees
- Unlimited fee free extra repayments
Quick calculators
Calculators
Related Loan Articles
Learn some handy tips.
A personal loan just for you
Fixed Rate Car Loan
PA
PA Comparison rate**
Experience the freedom of your new ride with our secured car loan.
Fixed Rate
PA
PA Comparison rate****
Peace of mind knowing your repayments won't ever change.
Variable Rate
PA
PA Comparison rate****
A competitive rate, unlimited free repayments, and no monthly fees.
Why choose a CUA Personal Loan?
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Free redraw<|
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No monthly fees
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No penalties for early payout
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Unlimited extra repayments
Latest Articles
Applying for a personal loan – what’s the process?
Budgeting for the cost of running a car
What’s the difference between the interest rate and comparison rate?
Important information
Show content
Rates current as at 18 December 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 9.39% p.a. (9.64% p.a. comparison rate) for the Unsecured Fixed Personal loan, the estimated total amount payable (including fees) is $37,881.66.
- 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 Licence 238317. Lending criteria, limits, conditions and fees 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.