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Southern Cross Credit Union Unsecured Personal Loan

Advertiser disclosure
Interest rate from
9.39% p.a.
Comparison rate from
10.30% p.a.based on $30,000
over 5 years
Upfront fee

Mozo editorial review Southern Cross Credit Union Unsecured Personal Loan - last updated: 1 July 2022

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What's hot
  • 9.39% p.a. fixed rate (10.30% p.a. comparison rate*)
  • 2022 Mozo Experts Choice Award^ winner for Best Unsecured Personal Loan
  • Extra repayments and redraws allowed
What's not
  • $250 upfront fee
Mozo snapshot

Need to borrow up to $30,000? The Southern Cross Credit Union Unsecured Personal Loan might be what you need. With a solid 9.39% p.a. fixed rate (10.30%  p.a. comparison rate*), flexible repayment options and no exit or early repayment fees, this product has a few things going for it. And to top things off, it took home a 2022 Mozo Experts Choice Award^ for Best Unsecured Personal Loan.

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Key features

Southern Cross Credit Union’s Unsecured Personal Loan comes with a fixed rate of 9.39% p.a. fixed rate (10.30% p.a. comparison rate*) and doesn’t require customers to secure the loan with an asset. Loan amounts range from $5,000 to $30,000 and can be used on a range of things from home renos to an overseas holiday! 

Plus, you can choose from a 3 to 5 year loan term as well as opt to make either weekly, fortnightly or monthly regular repayments. And if that’s not enough choice for you, Southern Cross Credit Union also allows borrowers to make extra repayments and redraws if they wish to. 

While there are no exit or early repayment costs attached to this product, there are some other fees to be mindful of, such as the $250 upfront application and the $8 ongoing monthly service charges.

Who is it good for

This loan might be the right choice for someone looking to borrow without putting up their assets as collateral. Southern Cross Credit Union also offers flexible repayment options, for customers that want to personalise their repayment schedule.

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Any catches

When paying off your debt, ensure you make repayments on time otherwise Southern Cross Credit Union will charge you a $15 late payment fee each time you miss a payment.


Rates and fees information correct as at 2 July 2022. 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.


9.39% p.a. fixed

10.30% p.a.based on $30,000
over 5 years







Other financial bits



3 Years

7 Years



Weekly, Fortnightly, Monthly





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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