BSB 805 050

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BSB 805 050

Get on the road with a People’s Choice Personal Loan

If you’re heading out on the open road for your next adventure, make sure you’ve got the right wheels with a People’s Choice personal loan.

Whether your next adventure involves caravanning, boating, 4WDing or just cruising through country towns,  we can help you with a loan that will get you on the road.

Comparison rate for our Discounted Personal Loan (Car Loan)2 product.

  • Lower interest rates starting on loans from $20,000
  • No ongoing fees
  • Fixed rate for the first 5 years#
  • Flexible repayment frequency - pay weekly, fortnightly or monthly
  • Pre-approval valid for 90 days

Comparison rate for our Discounted Personal Loan1 product.

  • No ongoing fees
  • Get discounted rates for loans starting from $10,000
  • Choice of loan terms up to 10 years
  • Fixed rate for the first 5 years#
  • Can be arranged for any purpose; from a car, boat or motorbike loan to a home improvement project or smarter refinance deal


Check out our personal loan calculator below and see what your estimated repayments^ will be.


Guides and tips

Secured vs Unsecured Personal Loans

What is the difference between Unsecured and Secured Personal Loans? What are the benefits of each type? We help answer your questions.

Learn more

What you need to apply for a personal loan

If it's your first time applying for a personal loan, you might be a bit overwhelmed by all the documents and information you need to supply. We’re here to help support you along the way.

Learn more

How long does it take to get a personal loan?

We’ve put together this handy guide to give you an idea of roughly how long it takes between the start of your application and the lender’s decision to either approve or deny your personal loan. 

Learn more

How much you can borrow for a personal loan?

To make things a bit simpler, we’ve broken down: what goes into working out your borrowing power; what your repayments might look like if you took out a personal loan; and how to make a budget so you can pay back your debts faster.

Learn more

Need some help? We're help to chat if you need us!

Apply online  Find a branch  Get in touch

*Comparison rates are based on a secured loan of $30,000 with monthly repayments over a term of 5 years. WARNING: This 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 repayment amount is based on certain assumptions, should be regarded as indicative only, and is not a quote nor pre-qualification for a personal loan.

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

1 Discounted Personal Loan rate is subject to change at any time. Minimum loan amount of $10,000; a $250 Application Fee applies. Minimum loan term is 12 months and maximum loan term is 10 years. No penalties apply for paying out early.  Secured by a vehicle which is less than 7 years old (minimum security value of $5,000) or has a security value of $10,000 or more. As your Discounted Personal Loan interest rate will be based on various factors such as your loan criteria and our assessment of your application, a different rate and repayment amount may apply if the vehicle used as security is more than 7 years old and is less than the minimum security of $10,000. We will confirm the specific details in your loan offer document. Other rates apply to other personal loan types. Examples: $10,000 borrowed for 5 years at 7.99% p.a. / 8.35% p.a. comparison rate has to be repaid back in 60 monthly instalments of $208 per month~. $10,000 borrowed for 3 years at 7.99% p.a. / 8.35% p.a. comparison rate has to be paid back in 36 monthly instalments of $321 per month^.

2Discounted Personal Loan (Car Loan) rate is subject to change at any time. Minimum loan amount of $20,000; a $250 Application Fee applies. Minimum loan term is 12 months and maximum loan term is 10 years. No penalties apply for paying out early. A Discounted Personal Loan (Car Loan) may be used to purchase or refinance a car up to 2 years old from year of manufacture (currently from 2019) which must be used as security for the Car Loan. Other rates apply to other personal loan types. Examples: $20,000 borrowed for 5 years at 4.65% p.a. / 4.99% p.a. comparison rate has to be repaid back in 60 monthly instalments of $379 per month~. $20,000 borrowed for 3 years at 4.65% p.a. / 4.99% p.a. comparison rate has to be paid back in 36 monthly instalments of $604 per month^.

Terms, conditions, fees, charges and lending criteria apply and are available on application.

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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