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Credit Union SA Fixed Rate Personal Loan

The details shown below are for a fixed loan between $5,000 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: $5,000 $100,000

  • Loan: $5,000 $100,000

Interest rate from
5.59% p.a.
Comparison rate from*
5.86% p.a.based on $30,000
over 5 years
Upfront fee
$195
Interest rate from
7.99% p.a.
Comparison rate from*
8.26% p.a.based on $30,000
over 5 years
Upfront fee
$195

Mozo editorial review Credit Union SA Fixed Rate Personal Loan

Last updated: 16 June 2020.

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What's hot
  • Triple 2019 Mozo Experts Choice Award winner
  • 5.59% interest rate (5.86% comparison rate*)
  • Loan term options from 1 to 7 years
What's not
  • $195 application fee
Mozo snapshot

If you’re on the hunt for a car and need an award-winning 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 5.59% (5.86% comparison rate*) for vehicles up to 2 years old, and 7.99% (8.26% comparison rate*) for vehicles between 1 and 7 years old. It’s no wonder then that  Credit Union SA took home three 2019 Mozo Experts Choice Awards for best Unsecured Personal Loan, Used Car Loan and Secured Personal Loan.

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Key features

While the Fixed Rate Personal Loan offered by Credit Union SA comes with attractive fixed rates from 5.59% (5.86% comparison rate*) for vehicles up to 2 years old and 7.99% (8.26% comparison rate*) fo 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 $195 application fee, and if you miss a required repayment there is a $10 late payment penalty.


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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.

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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 24 October 2020. 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

  • 5.59% p.a. fixed

  • 5.86% p.a.based on $30,000
    over 5 years

Fees
  • $195.00

  • $0.00

  • $10.00

  • $0.00

  • $0.00

Other financial bits
  • $5,000.00

  • $100,000.00

  • 1 Year

  • 7 Years

  • Vehicle

Features
  • Weekly, Fortnightly, Monthly

  • yes

  • yes

  • none

  • none

*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. WARNING: 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 24 October 2020. 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

  • 7.99% p.a. fixed

  • 8.26% p.a.based on $30,000
    over 5 years

Fees
  • $195.00

  • $0.00

  • $10.00

  • $0.00

  • $0.00

Other financial bits
  • $5,000.00

  • $100,000.00

  • 1 Year

  • 7 Years

  • Vehicle

Features
  • Weekly, Fortnightly, Monthly

  • yes

  • yes

  • none

  • none

*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. WARNING: 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
8.1/10
Price
8.9/10
Features
8.0/10
Customer service
8.9/10
Convenience
8.3/10
Trust
9.7/10

Latest review of Credit Union SA Fixed Rate Personal Loan

  • Overall 6/10
    Alright

    Their personal loan rate is alright. Not the worst but not the best

    Read full review

    Their personal loan rate is alright. Not the worst but not the best

    Price
    -1/10
    Features
    -1/10
    Customer service
    -1/10
    Convenience
    -1/10
    Trust
    -1/10
    Less
    Shane, South Australia reviewed about 2 years ago
Credit Union SA

About Credit Union SA

Credit Union SA is a credit union providing its financial services to the South Australian region. Credit Union SA offers a wide range of financial products and services in credit cards, savings accounts, personal loans, home loans and car insurance. Credit Union SA pride themselves on providing excellent customer service and friendliness through all their financial products.

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