The details shown below are for a fixed loan between $2,000 and $40,000
The details shown below are for a fixed loan between $2,000 and $40,000
Choose the version of this loan that suits you best
| Loan type | Name | Min loan amount | Max loan amount | |
|---|---|---|---|---|
| | Fixed | Unsecured Personal Loan (Low Rate, Fixed) | $2,000 | $40,000 |
| | Fixed | Unsecured Personal Loan (Fixed) | $2,000 | $40,000 |
Loan: $2,000 $40,000
Loan: $2,000 $40,000
Need some extra cash to help pay for your wedding or home renovation project? Well, with competitive fixed interest rates starting from 7.99% p.a. (9.72% p.a. comparison rate*), free extra loan repayments and redraw facility and flexible repayment options, the People’s Choice Credit Union Low Rate Unsecured Personal Loan could be just the thing you’re after!
If you’re looking for some cash to help cover the cost of a big upcoming purchase, the People’s Choice Credit Union Low Rate Unsecured Personal Loan can get the job done.
This loan hits the ground running with hot fixed interest rates from 7.99% p.a. (9.72% p.a. comparison rate)* on amounts between $2,000 and $40,000 on loan terms between 1-7 years.
And if its flexible features you’re after, then you’ve come to the right place! The People’s Choice Credit Union Low Rate Unsecured Personal Loan gives you a choice of either weekly, fortnightly or monthly repayment options, so you’ll be able to tailor your repayments to suit your regular pay and lifestyle.
On top of all this, free extra repayments are allowed to help you pay your loan off faster, plus, you’ll be able to dip into those additional repayments with the redraw facility.
Be aware, that although there are no service fees, exit fees, or early repayment fees attached to this loan, it does, however, come with a $250 upfront application fee.
The People’s Choice Credit Union Low Rate Unsecured Personal Loan is an unsecured loan, which means it could be a great personal loan option for Aussies who don’t own or want to put an asset up as security against the loan.
Plus, for customers that already have a People's Choice Credit Union Zip bank account, this loan will exempt them from paying the monthly fee.
The People’s Choice Credit Union Low Rate Unsecured Personal Loan doesn’t come with any service, exit or early repayment fees, however, you will need to budget for the $250 application fee.
Fixed
7.99% p.a. fixed
9.72% p.a.based on $10,000
over 3 years
$250.00
$0.00
$25.00
n/a
$0.00
$2,000.00
$40,000.00
1 Year
7 Years
Unsecured
Weekly, Fortnightly, Monthly
yes
yes
Interest rate available only to applicants who meet assessment criteria, higher rates may apply.
$0 monthly fee on Peoples Choice Credit Union Zip bank account.
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.
Fixed
13.99% p.a. fixed
15.78% p.a.based on $10,000
over 3 years
$250.00
$0.00
$25.00
n/a
$0.00
$2,000.00
$40,000.00
1 Year
7 Years
Unsecured
Weekly, Fortnightly, Monthly
yes
yes
none
$0 monthly fee on Peoples Choice Credit Union Zip bank account.
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.
People's Choice have always been very helpful and approachable. I can not fault their service.
Read full reviewPeople's Choice have always been very helpful and approachable. I can not fault their service.
People's Choice Credit Union is not one of the big banks and the interest rates are quite lower. It is pretty easy to get in touch with a branch member and they are usually quite friendly and helpful. They use CGU insurance so you can get reasonable insurance for your car or home as well. It is a one stop shop.
Read full reviewPeople's Choice Credit Union is not one of the big banks and the interest rates are quite lower. It is pretty easy to get in touch with a branch member and they are usually quite friendly and helpful. They use CGU insurance so you can get reasonable insurance for your car or home as well. It is a one stop shop.
Because I live 500km away from my nearest branch I applied for my car loan over the phone. I was approved within minutes and paperwork was sent by mail. I had quite a few questions once the paper work arrived and every time I rang I was attended to promptly and courteously even when I rang with some really stupid questions nothing was too much trouble. I even rang the branch manager and complimented the staff member who attended to my inquiries and was told she would get the employee of the month award. Well deserved.
Read full reviewBecause I live 500km away from my nearest branch I applied for my car loan over the phone. I was approved within minutes and paperwork was sent by mail. I had quite a few questions once the paper work arrived and every time I rang I was attended to promptly and courteously even when I rang with some really stupid questions nothing was too much trouble. I even rang the branch manager and complimented the staff member who attended to my inquiries and was told she would get the employee of the month award. Well deserved.
Their online offering makes this one of the easiest applications and processes I've seen.
Read full reviewTheir online offering makes this one of the easiest applications and processes I've seen.
The application was processed quickly, with great service.
Read full reviewThe application was processed quickly, with great service.
People's Choice Credit Union is a member owned financial institution offering its members a wide range of competitive banking, insurance and investment products and services. Formed through the merger of Savings & Loans and Australian Central, Peoples Choice Credit Union has more than 350,000 members Australia wide. At Peoples Choice Credit Union, its customers are its owners so everything they do is designed to benefit their members.
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