CUA Unsecured Personal Loan (Fixed)
Last updated: 28 October 2019.
Flexible repayment schedule
Free extra repayments and redraw facility
No ongoing fees
$175 application fee
$200 minimum redraw in-branch
If you love flexibility, then the CUA Unsecured Personal Loan might be the one for you, as it offers borrowers the ability to choose their own repayment schedule, make free extra repayments and access to a redraw facility. With this loan, you also won't have to worry about any ongoing, exit or early payout fees.
The CUA fixed rate unsecured personal loan has a 9.89% fixed interest rate (10.14% comparison rate*) for a loan between $5,000 - $50,000 with a $175 application fee.
For this loan, 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. But keep in mind that for any redraws of those extra repayments you make in-branch, a $200 minimum withdrawal amount applies.
Anyone who doesn't have assets to secure a loan against and is looking for a competitive unsecured personal loan with flexible features and minimal fees.
Because this loan is unsecured, it does have a higher interest rate than a secured loan.
While extra repayments are allowed and are free, there is a minimum withdrawal amount of $200 to use the free redraw option in-branch, should you wish to access that cash at a later point in time.
Fixed
9.89% p.a. fixed
10.14% p.a.based on $30,000
over 5 years
$175.00
$0.00
$0.00
$0.00
$0.00
$5,000.00
$50,000.00
1 Year
7 Years
Unsecured
Weekly, Fortnightly, Monthly
yes
yes
$200 minimum withdrawal amount applies for redraws conducted in-branch.
none
Friendly and efficient with good interest rates.
Read full review
Friendly and efficient with good interest rates.
Less
Carolyn | Queensland
reviewed about 1 hour ago
I have been a loyal customer of CUA and recommend this union to everybody. I have been dealing...
Read full review
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.
Less
John | Queensland
reviewed almost 3 years ago
Just awesome, every dealing with CUA has been professional, convenient and easy.
Read full review
Just awesome, every dealing with CUA has been professional, convenient and easy.
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Anna | Northern Territory
reviewed over 3 years ago
Been with CUA for years and have always been happy with them
Read full review
Been with CUA for years and have always been happy with them
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Steph | New South Wales
reviewed almost 4 years ago
Paid off our loan early. Tried to apply for another loan for similar amount. Circumstances had...
Read full review
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.
Less
Lisa | Victoria
reviewed about 4 years ago
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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