Need some extra cash to help pay for your wedding or home renovation project? Well, with competitive fixed interest rates starting from 8.99% p.a. (10.73% p.a. comparison rate*), free extra loan repayments and redraw facility and flexible repayment options, the 2022 Mozo Experts Choice Award winning Low Rate Unsecured Personal Loan from People's Choice could be just the thing you’re after!
If you’re looking for some cash to help cover the cost of a big upcoming purchase, the People’s Choice Low Rate Unsecured Personal Loan can get the job done.
This loan hits the ground running with hot fixed interest rates from 8.99% p.a. (10.73% p.a. comparison rate)* on amounts between $2,000 and $40,000 on loan terms between 1-7 years.
And if its flexible features you’re after, then you’ve come to the right place! The People’s Choice Low Rate Unsecured Personal Loan gives you a choice of either weekly, fortnightly or monthly repayment options, so you’ll be able to tailor your repayments to suit your regular pay and lifestyle.
On top of all this, free extra repayments are allowed to help you pay your loan off faster, plus, you’ll be able to dip into those additional repayments with the redraw facility.
Be aware, that although there are no service fees, exit fees, or early repayment fees attached to this loan, it does, however, come with a $250 upfront application fee.
The People’s Choice Low Rate Unsecured Personal Loan is an unsecured loan, which means it could be a great personal loan option for Aussies who don’t own or want to put an asset up as security against the loan.
The People’s Choice Low Rate Unsecured Personal Loan doesn’t come with any service, exit or early repayment fees, however, you will need to budget for the $250 application fee.
Fixed |
|
8.99% p.a. fixed |
|
10.73% p.a.based on $10,000 |
$250.00 |
|
$0.00 |
|
$25.00 |
|
n/a |
|
$0.00 |
$2,000.00 |
|
$40,000.00 |
|
1 Year |
|
7 Years |
|
Unsecured |
- |
|
Weekly, Fortnightly, Monthly |
|
yes |
|
yes |
|
none |
|
none |
WARNING: The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a personal loan. The comparison rates displayed are calculated based on a loan of $30,000 for a term of 5 years or a loan of $10,000 for a term of 3 years as indicated, based on monthly principal and interest repayments, on a secured basis for secured loans and an unsecured basis for unsecured loans. This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
People's Choice have always been very helpful and approachable. I can not fault their service.
Read full reviewPeople's Choice have always been very helpful and approachable. I can not fault their service.
People's Choice Credit Union is not one of the big banks and the interest rates are quite lower. It is pretty easy to get in touch with a branch member and they are usually quite friendly and helpful. They use CGU insurance so you can get reasonable insurance for your car or home as well. It is a one stop shop.
Read full reviewPeople's Choice Credit Union is not one of the big banks and the interest rates are quite lower. It is pretty easy to get in touch with a branch member and they are usually quite friendly and helpful. They use CGU insurance so you can get reasonable insurance for your car or home as well. It is a one stop shop.
Because I live 500km away from my nearest branch I applied for my car loan over the phone. I was approved within minutes and paperwork was sent by mail. I had quite a few questions once the paper work arrived and every time I rang I was attended to promptly and courteously even when I rang with some really stupid questions nothing was too much trouble. I even rang the branch manager and complimented the staff member who attended to my inquiries and was told she would get the employee of the month award. Well deserved.
Read full reviewBecause I live 500km away from my nearest branch I applied for my car loan over the phone. I was approved within minutes and paperwork was sent by mail. I had quite a few questions once the paper work arrived and every time I rang I was attended to promptly and courteously even when I rang with some really stupid questions nothing was too much trouble. I even rang the branch manager and complimented the staff member who attended to my inquiries and was told she would get the employee of the month award. Well deserved.
Their online offering makes this one of the easiest applications and processes I've seen.
Read full reviewTheir online offering makes this one of the easiest applications and processes I've seen.
The application was processed quickly, with great service.
Read full reviewThe application was processed quickly, with great service.
Unsecured Personal Loan
6.75% p.a.to 26.95% p.a.
6.75% p.a.to 26.95% p.a.based on $30,000
over 5 years
Unsecured Personal Loan
5.76% p.a.to 24.03% p.a.
6.55% p.a.to 24.98% p.a.based on $30,000
over 5 years
Low Rate Personal Loan
6.57% p.a.to 8.48% p.a.
7.19% p.a.to 8.84% p.a.based on $30,000
over 5 years
Express Personal Loan
14.95% p.a.to 27.95% p.a.
29.30% p.a.to 42.8% p.a.based on $10,000
over 3 years
Debt Consolidation
6.57% p.a.to 18.99% p.a.
7.19% p.a.to 19.39% p.a.based on $30,000
over 5 years
Debt Consolidation
5.76% p.a.to 24.03% p.a.
6.57% p.a.to 24.99% p.a.based on $30,000
over 5 years
Express Personal Loan
14.95% p.a.to 27.95% p.a.
29.30% p.a.to 42.8% p.a.based on $10,000
over 3 years
Clean Green Car Loan
7.69% p.a.
8.80% p.a.based on $30,000
over 5 years
Unsecured Personal Loan
6.75% p.a.to 26.95% p.a.
6.75% p.a.to 26.95% p.a.based on $30,000
over 5 years
Low Rate Personal Loan
6.57% p.a.to 8.48% p.a.
7.19% p.a.to 8.84% p.a.based on $30,000
over 5 years
Unsecured Personal Loan
5.76% p.a.to 24.03% p.a.
6.55% p.a.to 24.98% p.a.based on $30,000
over 5 years
Express Personal Loan
14.95% p.a.to 27.95% p.a.
29.30% p.a.to 42.8% p.a.based on $10,000
over 3 years
Low Rate Personal Loan
9.14% p.a.to 11.19% p.a.
9.50% p.a.to 11.56% p.a.based on $30,000
over 5 years
Debt Consolidation
5.76% p.a.to 24.03% p.a.
6.57% p.a.to 24.99% p.a.based on $30,000
over 5 years
Unsecured Personal Loan
6.75% p.a.to 26.95% p.a.
6.75% p.a.to 26.95% p.a.based on $30,000
over 5 years
Debt Consolidation
5.76% p.a.to 24.03% p.a.
6.57% p.a.to 24.99% p.a.based on $30,000
over 5 years
Unsecured Personal Loan
6.75% p.a.to 26.95% p.a.
6.75% p.a.to 26.95% p.a.based on $30,000
over 5 years
Unsecured Personal Loan
5.76% p.a.to 24.03% p.a.
6.55% p.a.to 24.98% p.a.based on $30,000
over 5 years
Low Rate Personal Loan
6.57% p.a.to 8.48% p.a.
7.19% p.a.to 8.84% p.a.based on $30,000
over 5 years
Debt Consolidation
5.76% p.a.to 24.03% p.a.
6.57% p.a.to 24.99% p.a.based on $30,000
over 5 years
Clean Green Car Loan
7.69% p.a.
8.80% p.a.
$8.00