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Credit Union SA Fixed Rate Personal Loan

Advertiser disclosure
The details shown below are for a fixed loan between $15,000 and $100,000
The details shown below are for a fixed loan between $5,000 and $100,000

Choose the version of this loan that suits you best

Loan type Name Min loan amount Max loan amount
Fixed Special Fixed Rate Personal Loan (Vehicles up to 5 years old, Secured) $15,000 $100,000
Fixed Fixed Rate Personal Loan (Vehicles 5 to 10 years old, Secured) $5,000 $100,000
  • Loan: $15,000 $100,000
  • Loan: $5,000 $100,000
Interest rate from
8.99% p.a.
Comparison rate from
9.35% p.a.based on $30,000
over 5 years
Upfront fee
$250.00
Interest rate from
10.99% p.a.
Comparison rate from
11.35% p.a.based on $30,000
over 5 years
Upfront fee
$250.00

Mozo editorial review Credit Union SA Fixed Rate Personal Loan - last updated: 23 May 2024

binocular icon
What's hot
  • 8.99% p.a. interest rate (9.35% p.a. comparison rate*)
  • Loan term options from 1 to 7 years
What's not
  • $250 application fee
Mozo snapshot

If you’re on the hunt for a car and need an top-notch personal loan to fund it, Credit Union SA’s Fixed Rate Personal Loan could be a hot contender. The loan comes with a competitive fixed rate starting at 8.99% (9.35% comparison rate*) for vehicles up to 5 years old, and 10.99% p.a. (11.35% p.a. comparison rate*) for vehicles between 1 and 7 years old.

key icon
Key features

While the Fixed Rate Personal Loan offered by Credit Union SA comes with attractive fixed rates from 8.99% p.a. (9.35% p.a. comparison rate*) for vehicles up to 2 years old and 10.99% p.a. (11.35% p.a. comparison rate*) for vehicles between 1 and 7 years, there are plenty of other features that makes this loan worth some attention. 

Whether you need to fund a small second hand city car or a brand new four-wheel drive, with Credit Union SA you can borrow anywhere between $5,000 and $100,000. Not only that, you can choose from a range of loan terms whether it’s one year or seven. 

Let’s talk repayments. With this personal loan borrowers can make weekly, fortnightly or monthly repayments and can also make unlimited extra repayments and pay off their loan early without penalty. Also, if you need to redraw any of your extra repayments, you can do so at no extra cost.  

Just bear in mind, while there are no monthly fees on this loan, there are a few others to watch out for. When you first apply Credit Union SA charges a $250 application fee, and if you miss a required repayment there is a $15 late payment penalty.


snapshot
Who is it good for

The Fixed Rate Personal Loan from Credit Union SA could suit anyone looking to buy a car, no matter whether it’s brand new or used, and lock in a competitively low interest rate.

question icon
Any catches

This loan is designed to fund a car, so if you are after a personal loan to fund something like a holiday or renovation, you’ll need to consider another option like the Credit Union SA Variable Rate Personal Loan (Unsecured).

Details

Rates and fees information correct as at 22 June 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

Fixed

8.99% p.a. fixed

9.35% p.a.based on $30,000
over 5 years

Fees

$250.00

$0.00

$15.00

$0.00

$0.00

Other financial bits

$15,000.00

$100,000.00

1 Year

7 Years

Vehicle

Features

-

Weekly, Fortnightly, Monthly

yes

yes

$60 Security Processing fee may also be charged.

$250 application waived for members of the education community.

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.

Details

Rates and fees information correct as at 22 June 2024. Mozo has robust processes to ensure our site is updated to reflect the latest information from providers. There may be the odd occasion where updates are delayed, so please confirm information before purchasing.
Rates

Fixed

10.99% p.a. fixed

11.35% p.a.based on $30,000
over 5 years

Fees

$250.00

$0.00

$15.00

$0.00

$0.00

Other financial bits

$5,000.00

$100,000.00

1 Year

7 Years

Vehicle

Features

-

Weekly, Fortnightly, Monthly

yes

yes

$60 Security Processing fee may also be charged.

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.

Customer Reviews

How are Credit Union SA personal loans rated by the Mozo community?

Overall
8.3/10
Price
8.9/10
Features
8.0/10
Customer service
8.9/10
Convenience
8.3/10
Trust
9.7/10
Based on 8 Credit Union SA personal loan reviews as rated by the Mozo customers. More about the Mozo Customer Ratings.
Mozo recommends that ratings are only one factor to be taken into account when deciding whether to take up any financial product offer.

Latest review of Credit Union SA Fixed Rate Personal Loan

About Credit Union SA

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6.75% p.a.to 26.95% p.a.based on $30,000
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6.55% p.a.to 24.98% p.a.based on $30,000
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6.57% p.a.to 8.48% p.a.

7.19% p.a.to 8.84% p.a.based on $30,000
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14.95% p.a.to 27.95% p.a.

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6.57% p.a.to 8.48% p.a.

7.19% p.a.to 8.84% p.a.based on $30,000
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Debt Consolidation

5.76% p.a.to 24.03% p.a.

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over 5 years

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Debt Consolidation

5.76% p.a.to 24.03% p.a.

6.57% p.a.to 24.99% p.a.based on $30,000
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6.75% p.a.to 26.95% p.a.

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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
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6.57% p.a.to 8.48% p.a.

7.19% p.a.to 8.84% p.a.based on $30,000
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over 5 years

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6.57% p.a.to 8.48% p.a.

7.19% p.a.to 8.84% p.a.based on $30,000
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