Pros: -Clear communication via email and phone -Clear costs listed, no hidden costs or balloon payments -Extra repayments can be made in advance -Low interest rates, lower than car dealers and most other banks Cons: -No choice of car insurance company, must go with CUA's partner Allianz -Automatically on the 7 year loan option, with no communication to choose the amount of years
I have been with CUA for quite a few years. They provide the best service for bank related affairs and most importantly, loans. They helped me buy my first house and their customer service is great. I will never leave CUA, it is the best bank ever.
I'm an existing CUA customer with a small overdraft account. Had a previous car loan with them and had no hesitation going with them again, especially considering their competitive rates and low fees. The process was relatively straight forward and after a glitch with the online application, the rep on the other end of the phone was great to deal with and very friendly. I felt that the service I have gotten with CUA now and in the past has always been very personal and client orientated, although some of the technology they use is a bit dated.
I love my bank, have been with them for over 20 years, great products, and friendly customer service always, easy to access and I had a great car loan at a non beatable rate :)
I have been banking with these guys for over 25 years. The reason I stayed is the friendly, helpful staff and they are competitive against the big banks.
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Terms from 3 to 5 years. Representative example: a 5 year $30,000 loan at 4.67% would cost $34,096.76 including fees.
Terms from 3 to 7 years. Representative example: a 5 year $30,000 loan at 4.74% would cost $33,949.23 including fees.
Terms from 3 to 7 years. Representative example: a 5 year $30,000 loan at 4.89% would cost $34,276.58 including fees.
Terms from 1 to 7 years. Representative example: a 5 year $30,000 loan at 4.89% would cost $34,377.58 including fees.
Terms from 1 to 7 years. Representative example: a 5 year $30,000 loan at 5.35% would cost $34,507.61 including fees.
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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