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Goldfields Money personal loans

Goldfields Money started out under the name Goldfields Credit Union more than 30 years ago. These days, it's no longer a credit union, but is still a local and customer focused organisation that’s regulated just like the big banks.

Based in Western Australia, Goldfields Money offers a range of personal loan products to help you meet all your spending goals.

Goldfields Money offers the following personal loans

Rates and fees verified as correct at 01 December, 2020. Other information correct at the time of writing. Advertiser disclosure.

Product Interest rate from Comparison rate from Upfront fee
Car Loan (Cars 2 to 5 years old, Variable, Secured)

6.94% p.a.

7.58% p.a.based on $30,000
over 5 years


Car Loan (Cars up to 2 years old, Variable, Secured)

5.44% p.a.

6.07% p.a.based on $30,000
over 5 years


Secured Personal Loan (Variable)

9.75% p.a.

10.40% p.a.based on $30,000
over 5 years


Unsecured Personal Loan (Variable)

12.44% p.a.

13.50% p.a.based on $10,000
over 3 years


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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Goldfields Money personal loans overview

Car loan

Thinking of buying a new car? A Goldfields car loan can make it happen. You can borrow amounts starting from $2,000, to purchase a car up to 5 years old. It’s a variable rate loan and you’ll have to put the car you’re buying up as security against it. There’s also an application fee - which is calculated as a percentage of your loan amount - to consider. You’ll also have the option to make free extra repayments, and access a free redraw facility.

Personal loan

For all your other spending needs, there’s a secured and unsecured personal loan option on offer from Goldfields Money. Both come with a variable interest rate attached, and will allow you to borrow amounts starting at $2,000 (capped at $15,000 for the unsecured option). You’ll be able to make fee free additional repayments, as well as use a free redraw facility, but don’t forget that there is a percentage based application fee to consider.

Goldfields Money personal loan features at a glance

Flexible repayment options: You can choose to pay off your Goldfields Money loan on a monthly, fortnightly or weekly basis, depending on what suits your budget.

Extra repayments: Save on interest and pay your loan off quicker by making fee free extra repayments on any Goldfield Money personal or car loan.

Free redraw facility: Put a little too much of your spare cash into extra repayments and find that you need it back? No problem - each loan option comes with the use of a free redraw facility.

Percentage based fees: You’ll pay an upfront application fee when you sign up for a Goldfields loan, but rather than a flat out fee, like on most loan products, your application fee will be calculated as a percentage of how much you’re borrowing.

How to apply

Keen to apply for a Goldfields Money loan? When applying online or making an appointment to talk with a Goldfields advisor, make sure you have these things handy:

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