CUA Unsecured Personal Loan (Fixed)

The details shown below are for a fixed loan between $30,000 and $60,000

The details shown below are for a fixed loan between $5,000 and $30,000

Choose the version of loan that suits you best

  • Loan: $30,000 $60,000

  • Loan: $5,000 $30,000

10.99% p.a.

10.99% p.a.based on $30,000
over 5 years

$0

CUA Unsecured Personal Loan (Fixed)

10.99% p.a.

10.99% p.a.based on $30,000
over 5 years

$0

11.99% p.a.

12.17% p.a.based on $30,000
over 5 years

$120

CUA Unsecured Personal Loan (Fixed)

11.99% p.a.

12.17% p.a.based on $30,000
over 5 years

$120

Mozo Review   CUA Unsecured Personal Loan (Fixed) Review

Last updated: 12 October 2018.

What's hot:
  • Flexible repayment options

  • No ongoing fees

What's not:
  • Minimum $30,000 borrowings for discounted rate

Mozo snapshot:

Life Rich Banking is CUA's slogan, and it's every bit true for this unsecured personal loan with fast 24 hour approval, 

Key features:

The CUA fixed rate unsecured personal loan has a 11.99% fixed interest rate (12.17% comparison rate) for a loan between $5,000 - $30,000 with a $120 application fee. While the rate drops to 10.99% (10.99% comparison rate) for loans between $30,000 and $60,000 and comes with no application fee.

For both loans you'll find yourself free of any ongoing fees, only needing to repay interest.

To help fit your repayments into your budget, you're able to choose between weekly, fortnightly or monthly repayments. Furthermore, you can choose to have your loan period be anywhere between 1-7 years.

There is no penalties for extra repayments, so if you come into some money down the line, you could pay off your loan a lot quicker and save on interest payments.

Who it's good for:

Anyone who doesn't have assets to secure a loan against and is looking for a competitive unsecured personal loan.

Any catches?

Because this loan is unsecured it does have a higher interest rate than a secured loan. 

Extra repayments are allowed and are free, while there is a minimum of $200 to use the free redraw option in branch if you wish to access cash at a later point should you need to.

Details

Rates and fees information correct as at 14 November 2018. 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

  • 10.99% p.a.based on $30,000
    over 5 years

Fees
  • $0.00

  • $0.00

  • $0.00

  • $0.00

  • Break Cost Fee Applies

Other financial bits
  • $30,000.00

  • $60,000.00

  • 1 Year

  • 7 Years

  • Unsecured

Features
  • Weekly, Fortnightly, Monthly

  • yes

  • yes

  • $200 minimum withdrawal amount applies for redraws conducted in-branch.

  • 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 14 November 2018. 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

  • 11.99% p.a. fixed

  • 12.17% p.a.based on $30,000
    over 5 years

Fees
  • $120.00

  • $0.00

  • $0.00

  • $0.00

  • Break Cost Fee Applies

Other financial bits
  • $5,000.00

  • $30,000.00

  • 1 Year

  • 7 Years

  • Unsecured

Features
  • Weekly, Fortnightly, Monthly

  • yes

  • yes

  • $200 minimum withdrawal amount applies for redraws conducted in-branch.

  • 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 CUA personal loans rated by the Mozo community?

Overall customer rating
8.4/10
Price
7.9/10
Features
7.4/10
Customer service
8.5/10
Convenience
8.1/10
Trust
8.5/10

Latest reviews of CUA Unsecured Personal Loan (Fixed)

  • Overall
    10/10
    Fantastic all rounded banking experience

    I have been a loyal customer of CUA and recommend this union to everybody. I have been dealing...

    I have been a loyal customer of CUA and recommend this union to everybody. I have been dealing with them for over 15 years and am still very satisfied with their service.

    Price
    9/10
    Features
    -
    Customer service
    -
    Convenience
    -
    Trust
    -

    John | Queensland

    reviewed almost 2 years ago

  • Overall
    10/10
    All round terrific service and products

    Just awesome, every dealing with CUA has been professional, convenient and easy.

    Just awesome, every dealing with CUA has been professional, convenient and easy.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10

    Anna | Northern Territory

    reviewed over 2 years ago

  • Overall
    9/10
    Happy customer

    Been with CUA for years and have always been happy with them

    Been with CUA for years and have always been happy with them

    Price
    7/10
    Features
    6/10
    Customer service
    9/10
    Convenience
    7/10
    Trust
    9/10

    Steph | New South Wales

    reviewed almost 3 years ago

  • Overall
    4/10
    Disappointing

    Paid off our loan early. Tried to apply for another loan for similar amount. Circumstances had...

    Paid off our loan early. Tried to apply for another loan for similar amount. Circumstances had improved, however declined. Were they worried they would miss out on interest again because we pay it back early? Disappointing cua.

    Price
    6/10
    Features
    5/10
    Customer service
    4/10
    Convenience
    6/10
    Trust
    5/10

    Lisa | Victoria

    reviewed about 3 years ago

  • Overall
    10/10
    A great finance provider

    I've been with the CUA for a long time now & they have been great to me & my family, helping us...

    I've been with the CUA for a long time now & they have been great to me & my family, helping us out with loans & the customer service is outstanding.

    Price
    10/10
    Features
    10/10
    Customer service
    10/10
    Convenience
    10/10
    Trust
    10/10

    Tracy | Queensland

    reviewed over 3 years ago

CUA

About CUA

CUA is Australia's largest credit union and an alternative to the big banks, offering financial, health and insurance solutions to over 500,000 Aussies. As a mutual, it's run by members for members, and reinvests in making its service better for customers and supporting local communities. CUA is committed to helping members through life's big changes, so if you want to make a change for the better, check out CUA's range of home loans, personal loans, credit cards, savings accounts and more.

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