1 Fixed for 5 years then reverts to a variable rate for remaining term up to 10 years.
2 Minimum redraw amount is $250. Redraws are only available if sufficient extra repayments have been made against the loan account.
Terms, conditions, fees, charges, lending criteria apply and are available upon application. *This comparison rate (annual percentage rate 5.64% p.a.) is current as at 01/03/2018 on our Discounted Personal Loan (Car Loan) product and is subject to change at any time. Minimum loan amount of $20,000; a $250 Application Fee applies. A Car Loan may be used to purchase or refinance a car up to 2 years old from year of manufacture (currently from 2017) which must be used as security for the Car Loan. The comparison rate is 5.99%p.a. and is only accurate for a secured loan of $30,000 for a term of five years. Maximum interest rate for an Unsecured Personal Loan product is 13.99%p.a. (comparison rate 15.78%p.a.). WARNING: The comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate. The information above is general advice only and does not take into consideration your personal objectives, financial situation or needs (“your personal circumstances”). Other rates apply to other personal loan types. ^General insurance (including Travel Insurance) is issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227681 trading as CGU Insurance. The Product Disclosure Statement (PDS) for insurance products can be obtained from any branch or downloaded from peopleschoicecu.com.au. You should consider the relevant PDS and your personal circumstances before making any decision to purchase the general insurance products. All our insurance issuers pay commission at rates which range from 0% - 40% of the base premium. The commission rate varies depending on the type of insurance. People’s Choice Credit Union, a trading name of Australian Central Credit Union Ltd ABN 11 087 651 125 acts under its own Australian Credit Licence 244310.
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