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BSB 805 050
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Unsecured Personal Loan

An unsecured flexible loan with no ongoing fees, which is available for almost any purpose

Loan Size

$2,000+

Loan Terms

Up to 7 years

Extra Repayments

Yes

Redraw Available

Yes

Our Unsecured Personal Loan gives you freedom and flexibility to help you with whatever you have your heart set on.  With no monthly account fees and many other great features, use an Unsecured Personal Loan to make your dreams possible sooner.

A big life change in a small package

Our Unsecured Personal Loan offers a fixed rate for the life of your loan, flexible repayments, competitive interest rates and the freedom of an unsecured loan option. You can use our personal loan for almost any purpose; from buying a car to refinancing an existing loan and debt consolidation.

We’re here to help

As a member owned organisation, our first priority is to help you. We continually focus on providing high levels of personalised service and value for money products – such as our Personal Loans– there to help you make those life-changing purchases.

We offer:

  • No monthly account fees
  • $0 Monthly Fee on Zip account6 – save up to $6.00 per month ($72 per year)
  • Competitive interest rates fixed for the life of the loan3
  • Flexible repayment frequency - pay weekly, fortnightly or monthly
  • Loan terms up to seven years
  • No penalty for additional repayments or early payout
  • Redraw facility against your extra repayments5
  • Loans from $2,0003
  • Online application
  • Pre-approval valid for 90 days

You can apply for a Unsecured Personal Loan online, over the phone by calling 13 11 82 or by visiting your nearest branch.

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Secured Personal Loans

Product Name Tier Rate Comparison Rate
Discounted Personal Loan (Car Loan)1,2 $20,000 - $100,000 5.64% p.a. 5.99% p.a.*
Discounted Personal Loan2,3 $10,000 - $100,000 7.99% p.a. 8.35% p.a.*

Unsecured Personal Loans

Product Name Tier Rate Comparison Rate
Unsecured Personal Loan (Low Rate)4 $2,000 - $40,000 9.99% p.a. 11.74% p.a.#
Unsecured Personal Loan4 $2,000 - $40,000 13.99% p.a. 15.78% p.a.#

Most popular questions...

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Apply online How long to repay? Call 13 11 82

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Product Summary

Interest Rate

Comparison Rate

What do I get?

Available Loan Size

Loan Term

Rate Type

Extra Repayments

Redraw Facility

Repayment Frequency

Application Fee

Ongoing Fees

Termination / Early Repayment Fees

Acceptable Security

Loan Purpose

 

Unsecured Personal Loan

An unsecured flexible loan with no ongoing fees, which is available for almost any purpose

Interest Rate

13.99% p.a.3

Comparison Rate

15.78% p.a.#

What do I get?

A personal loan with a fixed rate for the life of your loan and the flexibility of no required security

Available Loan Size

$2,000+

Loan Term

Up to 7 years4

Rate Type

Fixed

Extra Repayments

Redraw Facility

5

Repayment Frequency

Weekly, Fortnightly or Monthly

Application Fee

$250

Ongoing Fees

Termination / Early Repayment Fees

Acceptable Security

N/A

Loan Purpose

Any worthwhile loan purpose

Apply online

Discounted Personal Loan (Car Loan)

A personal loan to help you buy or refinance a car at a low rate

Interest Rate

 5.64% p.a.1

 

Comparison Rate

5.99% p.a.*

What do I get?

Low flexible discounted rate, no ongoing fees, available for purchasing a car or refinancing a car loan using the same motor vehicle as security.

Available Loan Size

$20,000+ lower loan amounts available, higher rates apply - refer to the Discounted Personal Loan.

Loan Term

Up to 10 years4

Rate Type

Fixed for the first 5 years, then reverts to standard variable rate4 (currently 11.55% p.a.)

Extra Repayments

Redraw Facility

5

Repayment Frequency

Weekly, Fortnightly or Monthly

Application Fee

$250

Ongoing Fees

Termination / Early Repayment Fees

Acceptable Security

Cars up to 2 years of age1

Loan Purpose

Purchase or refinance a car

Apply online

Details

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Discounted Personal Loan

Interest Rate

7.99% p.a.2

Comparison Rate

8.35% p.a.*

What do I get?

Low flexible discounted rate, no ongoing fees with lower rates available when using a motor vehicle, motor cycle, or caravan as security

Available Loan Size

$10,000+

Loan Term

Up to 10 years4

Rate Type

Fixed for the first 5 years, then reverts to standard variable rate4 (currently 11.55% p.a.)

Extra Repayments

Redraw Facility

5

Repayment Frequency

Weekly, Fortnightly or Monthly

Application Fee

$250

Ongoing Fees

Termination / Early Repayment Fees

Acceptable Security

New Cars, Used Cars, Motorbike or Caravan or Term Deposit/Savings

Loan Purpose

New Cars, Used Cars, Motorbike, Caravan, Travel, Boat, Refinance, Debt Consolidation or any other worthwhile purpose

Apply online

Details

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Unsecured Personal Loan (Low Rate)

A low rate personal loan with a fixed rate for the life of your loan and the flexibility of no required security

Interest Rate

9.99% p.a.3

Comparison Rate

11.74% p.a.#

What do I get?

Flexible low rate unsecured loan with no ongoing fees, which is available for almost any purpose

Available Loan Size

$2,000+

Loan Term

Up to 7 years

Rate Type

Fixed

Extra Repayments

Redraw Facility

5

Repayment Frequency

Weekly, Fortnightly or Monthly

Application Fee

$250

Ongoing Fees

Termination / Early Repayment Fees

Acceptable Security

N/A

Loan Purpose

Any worthwhile loan purpose

Apply

Details

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Thank you for your enquiry. Unfortunately we don’t have a branch in this area, so please call us on 13 11 82 to see how we can still help you.

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Personal Loan Calculators

Need to organise your finances to prepare for a loan? Take a look at our range of calculators below. Alternatively, get in touch with one of our Financial Planners.

See all financial calculators

How long will it take to pay back my loan?

Calculate how long it will take you to pay off your loan.

Loan term calculator

What will my repayments be?

Enter the loan details on the first page of our Personal Loan application and you can see the repayment amount at the top of the page. 

Repayment calculator

What you need to know

When you apply for a loan, please have this information handy:

  • 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 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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