Easy Street personal loans

Easy Street
Easy Street's overall rating for personal loans

(as rated by the Mozo community)

10.0 / 10

based on 1 reviews

Easy Street is a division of Community First Credit Union, the largest member-owned financial institution in Sydney. Instead of having shareholders like big banks, customers pay $2 to become a voting member, which keeps the interest rates of personal loans down and fees to a minimum. As you’ll find by reading below, Easy Street’s three personal loans have flexible features and start from $5k.

Easy Street offers the following personal loans

Rates and fees verified as correct at 25 September, 2020. Other information correct at the time of writing.

Product Interest rate from Comparison rate from* Upfront fee

8.99% p.a.

9.27% p.a.based on $30,000
over 5 years


*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.

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What personal loans does Easy Street offer? 

New car loan:

If you want to buy a car up to three years old and take out a loan to help finance it, Easy Street can fetch you price tags between $10,000 and $60,000. The fixed rate is competitively low because you tie the car to the loan as security. Having a fixed rate means you’ll never pay more interest than you expected. If you think this advantage means less flexibility, Easy Street’s new car loan is anything but as you can even make extra loan repayments. There’s also a free online redraw facility and no break fees for repaying the loan before the end date. Your new car loan with Easy Street can have a term between one and five years, and there are no monthly fees other than an initial signup cost.

Unsecured personal loan:

Easy Street offers unsecured personal loans to help customers finance all kinds of dreams from family holidays to home renos that cost between $5,000 and $35,000. No collateral is secured to this loan so in return the rate is higher. Under the umbrella of Easy Street’s unsecured loans is a fixed and variable rate version, which slightly differ from each other. The variable rate is subject to change and the other stays the same for the entire loan term. While the fixed rate is a little higher than the variable version, loan repayment amounts will never surprise you. Just like the Easy Street new car loan, you can make extra repayments and dip into them via a redraw facility. Both loans allow you to repay the balance before the contract ends without additional fees. Loan terms range from one to five years and there are no ongoing costs. Keep in mind you need to make a small payment when you first take out the loan.

Easy Street personal loan features at a glance

Extra repayments: 

With Easy Street you can make extra loan repayments free of charge.

Free online redraw facility: 

If you’re keen to withdraw money from past loan repayments, Easy Street have a free online redraw facility.

No break cost: 

There are zero additional costs involved if you decide to repay your loan before the total amount due.

No monthly fees: 

One major plus with Easy Street personal loans is that no monthly fees come into play.

Easy Street customer reviews:

Want to know what Easy Street customers are saying about its personal loan products? Visit this reviews section.

How do you apply for a Easy Street personal loan?

Easy Street personal loan online applications only take up to ten minutes, and you’ll get an instant response on the outcome. You can also apply over the phone, or sign an online form and request for Easy Street to call you back.

To apply for a personal loan with Easy Street you will need:

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