Whether you want to buy a new car, go on a holiday, renovate your home or refinance an existing loan, we can help you get the personal loan that’s right for you, with competitive interest rates, fast pre-approval and no monthly fees.
Compare Our Products
What do I get?
A personal loan to help you buy or refinance a car at a low rate
Low flexible discounted rate, no ongoing fees, available for purchasing a car or refinancing a car loan using the same motor vehicle as security.
A low rate personal loan with a fixed rate for the life of your loan and the flexibility of no required security
Flexible low rate unsecured loan with no ongoing fees, which is available for almost any purpose
When you apply for a loan, please have this information handy:
You can choose to make your repayments weekly, fortnightly or monthly.
You can even make additional payments without penalty at any time via Phone Banking, Internet Banking, or at any of our branches.
Calculate the time and interest you can change when making extra repayments with our free extra repayments calculator here.
Our Personal Loans start from as little as $2,0003 and our Discounted Personal Loans start from as little as $10,0001,2.
The maximum loan is based on the amount that you can afford to repay.
Calculate how much you can borrow with our free borrowing calculator here.
No, you can apply for a personal loan with People's Choice even if you are not a member.
If you're not currently a member, you'll need to become a member before the car loan can be finalised.
And have no fear, it’s a quick and simple process!
Click here to become a member with People's Choice.
Calculate how long it will take you to pay off your loan.
1 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 2018) which must be used as security for the Car Loan.
2 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 value of $10,000. We will confirm the specific details in your loan offer document.
3 As your Unsecured Personal Loan interest rate will be based on various factors such as your loan criteria and our assessment of your application, a different rate may apply to your loan. We will confirm the specific details of your loan, including your actual interest rate and repayment amounts in your loan offer document.
4 Fixed for 5 years then reverts to a variable rate for remaining term up to 10 years.
5 Minimum redraw amount is $250. Redraws are only available if sufficient extra repayments have been made against the loan account.
Terms, conditions, fees, charges and lending criteria apply and are available on application.
* Comparison rates are based on a secured loan of $30,000 with monthly repayments over a term of 5 years.
# Comparison rates are based on an unsecured loan of $10,000 with monthly repayments over a term of 3 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 information above is general advice only and does not take into consideration your personal objectives, financial situation or needs (“your personal circumstances”). Please consider the relevant Disclosure Documents and your personal circumstances before making any decision to purchase the products. Contact us on 13 11 82 with any questions, or visit your nearest branch to talk to a consultant.
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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