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Quick calculators
A personal loan just for you
Fixed Rate Car Loan
6.79
%
PA
PA
7.16
%
PA Comparison rate**
PA Comparison rate**
Experience the freedom of your new ride with our secured car loan.
Fixed Rate
9.89
%
PA
PA
10.14
%
PA Comparison rate****
PA Comparison rate****
Peace of mind knowing your repayments won't ever change.
Variable Rate
11.89
%
PA
PA
12.15
%
PA Comparison rate****
PA Comparison rate****
A competitive rate, unlimited free repayments, and no monthly fees.
Why choose a CUA Personal Loan?
-
Free redraw<|
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No monthly fees
-
No penalties for early payout
-
Unlimited extra repayments
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
Show content
Rates current as at 09 Oct 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.
** Comparison rates are calculated on a loan amount of $30,000 over a term of 5 years based on monthly repayments. 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.
**** 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 example 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.
<| 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.
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.
- with a maximum variable interest rate of 10.89% p.a. (11.15% p.a. comparison rate) for the Discount Variable Personal Loan, the estimated total amount payable (including fees) is $39,212.69.
^ Drop in to your local branch for a loan from $1,000.
