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Credit Union SA Online-only Special Fixed Personal Loan

Advertiser disclosure
Interest rate from
4.25% p.a.
Comparison rate from
4.59% p.a.based on $30,000
over 5 years
Upfront fee

Mozo editorial review Credit Union SA Online-only Special Fixed Personal Loan - last updated: 30 November 2021

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What's hot
  • 2022 Mozo Experts Choice Award winner
  • 4.25% fixed rate (4.73% comparison rate*)
  • Free extra repayments and redraws
What's not
  • $350 application fee
Mozo snapshot

Need an award-winning online loan? The Credit Union SA Online-only Special Fixed Personal Loan could be exactly what you’ve been looking for. With a low fixed rate of 4.25% (4.73% comparison rate*), minimal fees and a bunch of handy features this loan is worth some attention. In fact, this loan received a 2022 Mozo Experts Choice Award for best Car Loan.

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Key features

The Credit Union SA’s Online-only Special Fixed Personal Loan is a competitive product with not only a low rate but a tonne of features too. 

With this loan, borrowers can secure a 4.25% fixed interest rate (4.73% comparison rate*). Not only that, they can borrow anywhere from $5,000 to $100,000 and choose from a 1 to 7 year loan term. 

For those that need flexibility, Credit Union SA offers both free extra repayments and redraws on this loan. Plus, there’s the choice between a weekly, fortnightly or monthly regular repayment schedule.  

When it comes to fees, there are no service, exit or early repayment fees. Just bear in mind, there is a $350 application fee to budget for and a $15 late payment fee to consider if you miss a regular repayment. However, the good news is if you are a member of the education community, the $350 application fee is waived.

Who is it good for

This loan is suited to borrowers looking for a secured loan option with a low fixed rate. It could be particularly handy for customers purchasing a car as it won a 2021 Mozo Experts Choice Award for best Car Loan.

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Any catches

It’s important to remember this is a secured loan that requires you to put up a vehicle as collateral. If you are after an option where you don’t need to put up your assets, the Credit Union SA Unsecured Personal Loan may be a better option.


Rates and fees information correct as at 25 January 2022. 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.


4.25% p.a. fixed

4.59% p.a.based on $30,000
over 5 years







Other financial bits



1 Year

7 Years



Weekly, Fortnightly, Monthly



Available online only. $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.

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