Interest rates too high. Every month the interest rates get increased.
Hey get a round go shopping pay dept loans
I like my bank but as for being a long tern banker with then I find with their loans eitherits either to hard of a process an don't want to bother doing them or its a if u know someone basis which I think is wrong :) I'm a full time worker an have been given a loan in the past when I was part time working an there's not difference in what I'm doing now except I'm full time at work an they knock back my small loan amount but had no reason as to y!!!
Holiday Coast Credit Union staff really are helpful and treat you as a customer not just a number, we really appreciate their flexibility, our payments are often late but the bank always gets them and they try to understand you and do not make you feel stressed I think less stress is better for everyone.
The staff are so friendly and helpful and lets me know exactly how much I will pay back in interest and if I ever have any problems with repayments they are happy to help with the problem and will always do my loans thru this credit union.
They work with the community and support a lot of different organizations that need help that are from each local area where the branch is located. They continually beat the big four banks in pricing and do not charge fees for things that are not your fault. if they do have to charge a fee they are reasonable and not a money grabbing exercise.
Loved how bank manager still keeps in contact with us to see how loan is going, great friendly service great interest rate and am able to redraw without fees and no early leaving fees :)
I love this credit union. When I took out my loan, I was a single mum on Centrelink but they gave me a chance. Each time there was a rate change i was notified, I could pay extra if i wanted (and i did), I could withdraw any extra money if I desperately needed to, and I wasn't penalised for paying it off early (I paid off my loan 2 months early). The staff were amazing, they set everything up and once I moved away from a branch, they were happy to conduct all dealings over the phone or by email. A perfect product from a great institution
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Terms from 2 to 7 years. Representative example: a 5 year $30,000 loan at 5.95% would cost $34,757.21 including fees.
Terms from 1 to 7 years. Representative example: a 5 year $30,000 loan at 5.45% would cost $34,590.57 including fees.
Terms from 1 to 5 years. Representative example: a 5 year $30,000 loan at 4.99% would cost $33,959.97 including fees.
Terms from 1 to 5 years. Representative example: a 5 year $30,000 loan at 5.35% would cost $34,832.61 including fees.
Terms from 3 to 5 years. Representative example: a 5 year $30,000 loan at 6.39% would cost $35,126.40 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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