BSB 805 050

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BSB 805 050

Make your dream car a reality

Drive away in your dream car with our Discounted Personal Loan (Car Loan) offering a low 5.99%*p.a. comparison rate with fast pre-approval, flexible loan terms and is available when loans are secured against new or used cars up to two years of age with a loan value greater than $30,000.

    • No monthly account keeping fees
    • No penalty for additional repayments or early payout
    • Flexible loan terms up to 10 years1
    • Flexible repayment options; pay weekly, fortnightly or monthly
    • Redraw facility against your extra payments2
    • Fast pre-approval

Need cover you can depend on? Find out more about our hassle-free car insurance^.

What you need to know

Have this information ready to make applying online even easier.

    • Income details – pay slips, child support, pensions, overtime, allowances, rental income, commissions etc
    • Expense details – utility bills, rent, board, loan repayments, credit and store cards, maintenance, lease payments etc
    • Asset information – cash savings, value of motor vehicles, shares, bonds, property, furnishings etc
    • Residential and employment details for the last three years
    • Australian driver’s licence number and expiry


1 Fixed for 5 years then reverts to a variable rate for remaining term up to 10 years.

Minimum redraw amount is $250. Redraws are only available if sufficient extra repayments have been made against the loan account.

Terms and conditions, fees, charges, lending criteria apply. Rate current at 1/01/2020 on the Discounted Personal Loan (Car Loan) product, subject to change. Minimum loan $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 2018) which must be used as security for the Car Loan. Car loans taken by SA members via promotions through our partnership with the Adelaide Strikers may be used to purchase or refinance a car up to 3 years old from year of manufacture (currently from 2017), must be used as security for the Car Loan, until the end of the promotional period on the 29/2/2020. Interest rate is 5.64%p.a.  *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. 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”). ^General Insurance (including Travel Insurance) is issued by Insurance Australia Limited ABN 11 000 016 722 Australian Financial Services Licence No. 227681, trading as CGU Insurance. The Product Disclosure Statement (PDS) can be obtained from any branch or downloaded from You should consider the relevant PDS and your personal circumstances before making any decision to purchase the products. Australian Credit Licence 244310.

People's Choice Credit Union, 50 Flinders Street, Adelaide 5000, a trading name of Australian Central Credit Union Ltd ABN 11 087 651 125 AFSL, Australian Credit Licence 244310.

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