People's Choice Credit Union logo

People's Choice Credit Union Unsecured Personal Loan

Advertiser disclosure

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: $2,000 $40,000

  • Loan: $2,000 $40,000

Interest rate from
8.99% p.a.
Comparison rate from
10.73% p.a.based on $10,000
over 3 years
Upfront fee
$250
Interest rate from
13.99% p.a.
Comparison rate from
15.78% p.a.based on $10,000
over 3 years
Upfront fee
$250

Mozo editorial review People's Choice Credit Union Unsecured Personal Loan

Last updated: 22 September 2020.

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What's hot
  • 8.99% p.a. fixed interest rate (10.73% p.a. comparison rate)*
  • Free extra repayments and redraw facility
  • $0 monthly fee on your People’s Choice Credit Union Zip bank account.
What's not
  • $250 upfront fee
Mozo snapshot

Need some extra cash to help pay for your wedding or home renovation project? Well, with competitive fixed interest rates starting from 8.99% p.a. (10.73% 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!

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Key features

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 8.99% p.a. (10.73% 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.

snapshot
Who is it good for

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. 

question icon
Any catches

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.

Details

Rates and fees information correct as at 12 May 2021. 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

  • 8.99% p.a. fixed

  • 10.73% p.a.based on $10,000
    over 3 years

Fees
  • $250.00

  • $0.00

  • $25.00

  • n/a

  • $0.00

Other financial bits
  • $2,000.00

  • $40,000.00

  • 1 Year

  • 7 Years

  • Unsecured

Features
  • 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.

Details

Rates and fees information correct as at 12 May 2021. 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

  • 13.99% p.a. fixed

  • 15.78% p.a.based on $10,000
    over 3 years

Fees
  • $250.00

  • $0.00

  • $25.00

  • n/a

  • $0.00

Other financial bits
  • $2,000.00

  • $40,000.00

  • 1 Year

  • 7 Years

  • Unsecured

Features
  • 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.

Customer Reviews

How are People's Choice Credit Union personal loans rated by the Mozo community?

Price
7.3/10
Features
6.6/10
Customer service
7.8/10
Convenience
7.7/10
Trust
7.8/10

Latest reviews of People's Choice Credit Union Unsecured Personal Loan

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About People's Choice Credit Union

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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