Your personal dream. Our personal loan.      
CUA Variable Rate Personal Loan

10.89
% p.a.

Interest & Comparison Rate1
(Loans over $30,000)

  • Up to $100,000
  • Available to new and existing members
  • $0 establishment fee>|
  • No monthly fees
  • No penalties for early payout
  • Flexible repayment options
  • Unlimited free extra repayments
Apply Now       

We can also help you have peace of mind in case the unexpected happens - ask about Loan Repayment Insurance

Interest rate Comparison rate1
Personal loans over $30,000
10.89%p.a.
10.89%p.a.
Personal loans under $30,000
11.89%p.a.
11.89%p.a.


CUA Variable Rate Personal Loan

Dreaming of a family holiday or finally starting those renovations?

With CUA, there’s no need to put it off. We exist for members so our profits go back to you as better rates and lower fees.

Enjoy a competitive interest rate, flexible repayment options and no monthly fees.


Here's what our members have to say

Excellent customer service, fast turnaround with online application. Follow up calls to ensure satisfaction.

Online Application Process

Seize the moment with a CUA Variable Rate Personal Loan.
Apply now.

  • 20 - 30 minutes to complete your online application
  • Session timeout after 15 minutes of inactivity
  • Upload all of your documents online for assessment
  • We'll let you know when it's received

Loan Criteria

Applying online for a CUA personal loan is fast and easy. Before you start, please check you are eligible.

To be eligible for a Personal Loan we require that you:

  • Are at least 18 years of age
  • Are a permanent resident of Australia
  • Are currently employed
  • Receive a regular income
  • Have not declared bankruptcy or insolvency, or had defaults on any loans, credit cards, interest free finance or store cards in the last five years.

Before Starting

To complete this application, you'll need the following information on hand:

  • Your employment and income details
  • Your asset details including house, land, vehicles, contents, money, shares and super
  • Any amount owing on loans, overdrafts, credit/store cards (including limits and repayments)
  • Your Australian driver's license details^
  • Your Medicare details^
  • Your passport details^ ^ if you have one

Evidence of the above may be required prior to final approval.

Please note: these are the minimum requirements for a Personal Loan application. We may ask you to supply additional documents.

CUA assesses your application based on the information provided and may consider alternatives, such as a longer loan term or a reduced loan amount where we believe this is more suitable. The details will be displayed once the assessment is complete for your consideration.

Apply Now   

Loan Repayment Insurance

Life doesn’t always go to plan – illness, injury and involuntary job loss can impact your ability to meet your loan repayments. With Loan Repayment Insurance from CUA, you can help protect you and your family if you’re unable to work or if you pass away.

Loan Repayment Insurance will help provide peace of mind that your home loan, personal loan, or overdraft repayments can be taken care of if you can’t take care of them. It means you can focus on the important things in life, right when you need to.

Cover options:

  • Life Cover

    Pays the lesser of the outstanding loan balance (less any repayments overdue for more than two months) or $750,000 or the credit limit, if you pass away
  • Accident and Illness Cover (Disablement)

    Helps cover your loan repayments for up to 24 months if you’re unable to work (up to $150 for each daily equivalent of your repayment to a maximum of $108,000 in total for all claims)
  • Involuntary Unemployment Cover

    Helps cover your loan repayments for up to six months per claim if you involuntarily lose your job (up to $150 for each daily equivalent of your repayment to a maximum of $27,000 for any one claim)

Joint cover can be provided at a reduced premium for the second borrower.

Loan Repayment Insurance is optional when taking out a home loan, personal loan or overdraft. Before making a decision whether to purchase this cover, please read the Product Disclosure Statement (PDS).

Who is CUA?

At CUA, we think it’s the small joys that make life rich. Like the odd weekend away, or fish and chips because it’s raining. But these are usually the first to go, just to afford the bigger things.

With CUA, profits go back to members as better rates and lower fees to provide you with better-value banking.

Plus you can enjoy the convenience of a wide range of ways to access your money with CUA Online Banking, our mobile banking app, our branch network, and through rediATMs – one of Australia’s largest ATM networks.

Discover the difference banking with CUA can make.