Personal Loans
A CUA Personal Loan helps you do what you want, when you want.
Continue an existing application
Choosing the right loan
Compare personal loans
Calculators
Choosing the right loan
Let's see which personal loan suits your needs
I need a loan for...
New or used vehicle
Debt consolidation
Home improvements
Education
Holiday
Secured Fixed Car Loan
  • Loans from $5,000 to $100,000^
  • $0 Monthly fees
  • $0 Early payout fees
  • Unlimited fee free extra repayments
Find out more
Unsecured Fixed Personal Loan
  • Loans from $5,000 to $50,000^
  • $0 Monthly fees
  • $0 Early payout fees
  • Unlimited fee free extra repayments
Find out more
Unsecured Variable Personal Loan
  • Loans from $5,000 to 60,000‡
  • $0 Monthly fees
  • $0 Early payout fees
  • Unlimited fee free extra repayments
Find out more
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Compare personal loans

Personal loans to suit your needs.

Unsecured Fixed Personal Loan
If you like stability
9.39
%
p.a.
9.64
%
p.a.
Comparison rate*
Features
Loans from $5,000 to $50,000^
$0 Monthly fees
$0 Early payout fees
Unlimited fee free extra repayments
Used for:
Find out more Apply online
Unsecured Variable Personal Loan
If you like flexibility
11.89
%
p.a.
12.15
%
p.a.
Comparison rate*
Features
Loans from $5,000 to $60,000‡
$0 Monthly fees
$0 Early payout fees
Unlimited fee free extra repayments
Used for:
Find out more Apply online
Secured Fixed Car Loan
If you need a car
6.79
%
p.a.
7.16
%
p.a.
Comparison rate+
Features
Loans from $5,000 to $100,000^
$0 Monthly fees
$0 Early payout fees
Unlimited fee free extra repayments
Used for:
Find out more Apply online
Difference between secured and unsecured loan
Secured vs Unsecured loan

Choosing a secured loan means you’re able to provide an asset (like a car) as security against the loan. An advantage of taking out a secured loan is that you may be eligible for a lower interest rate. The secured asset may be forfeited to the bank if you fail to meet your repayments.

An unsecured loan means that there is no security against the loan.

Calculators

Calculate your loan capacity

What will my repayments be?
How quickly can I pay it off?
What will my repayments be?

What are my repayments?

Discover what you can afford and how much you will save with a CUA Personal Loan.~

Tell us about your loan

$
You can borrow between $5,000 and $100,000. You can borrow between $5,000 and $100,000.
How often would you like your repayments?

~ The graphical representation of loan calculations is not precise and is representational only.
The calculations provided are estimates only and based upon the information entered into the calculator by the user. The calculations do not include upfront or continuing credit fees and charges. The resulting calculations do not constitute a loan application or variation to an existing CUA facility, loan offer or loan approval

Your repayments would be

$[repayment] per  month

Total interest payable

$[interest] over  [duration] years
Apply Now
How quickly can I pay it off?

How quickly can I pay off a loan?

Tell us about your loan

$
You can borrow between $5,000 and $100,000. Please enter an amount between $5,000 and $100,000.
How much would you like to repay?
$
per
Minimum repayment amount of $[minimum] per [frequency].

Your loan will take

[years] years and [months] months to pay off

Total interest payable

$[interest] over [years] years and [months] months
Apply Now

Why we're different

  • We're Australia's largest member-owned banking organisation
  • We've put members before profits for over 70 years
  • We support and give back to the community
Find out more about the CUA difference
It’s so easy to manage, extra payments don't cost anything and you are basically rewarded for paying out early as there are no extra fees.
Samantha, QLD
CUA Member

Once, twice, three times a winner.

We’re proud to have been awarded Australia’s Best Large Credit Union in the Mozo Experts Choice Awards for the third year in a row!

See our full list of awards
See our full list of awards

Top reasons to get a personal loan

Need to buy a car, consolidate debt or make some home improvements? A personal loan can help.

Plus, CUA Personal Loans offer competitive interest rates and no fees and charges for additional repayments or early payout if you decide to pay your loan off sooner.

Debt consolidation

Consolidate multiple debts with a personal loan.

Buying a car

Competitive personal loan rates for new and used cars.

Home Improvement

Personal loans for renovations, repairs and appliances.

Learn more
Education

Pay for school fees or invest in professional development.

Learn more
Travel

Personal loans for your next holiday, big or small.

Learn more

Related loan articles

How-tos and handy tips to help you decide

Applying for a personal loan – what’s the process?

What are the steps you should follow for a smooth personal loan application and what information will you need to have at the ready?

Budgeting for the cost of running a car

As well as the up-front expense of buying a car, there are plenty of other costs to be factored in once you’re on the road.

Secured versus unsecured personal loan

What’s the difference between a secured and unsecured personal loan and what should you consider when choosing between the two?
Get in touch
More ways to apply for a CUA personal loan
Call 133 282

Mon - Fri: 8:00am - 7:00pm (AEST)
Sat: 8:00am - 4:00pm (AEST)

Call us now
Find a branch
Speak to one of our friendly staff at a branch near you.
Learn more
Chat with iMCUA
Use our app to chat
Learn more
Important Information

Loans are issued by Credit Union Australia Ltd ABN 44 087 650 959, AFSL and Australian Credit Licence 238317. Lending criteria, limits, conditions and fees apply.
Rates current as at 13 April 2021 and subject to change.

Your loan contract will state the minimum monthly repayment amount. You can arrange with us to make repayments on a weekly or fortnightly basis.

* Comparison rate accurate for $30,000 unsecured loan over 5 years. WARNING: Comparison rates are 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.

+ Comparison rate accurate for $30,000 secured loan over 5 years. WARNING: Comparison rates are 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.

** A $200 minimum withdrawal amount applies for redraws conducted in-branch. Redraw facility is available for CUA Personal Loan products on offer from 6 June 2017.

^ $1,000 minimum loan amount in branch, $5,000 minimum loan amount online. Available loan term is 1 to 7 years.

‡ $1,000 minimum loan amount and $100,000 maximum loan amount available in branch. $5,000 minimum loan amount and $60,000 maximum loan amount available online. Available loan term is 1 to 7 years.

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