Buying a car
Get in the driver's seat with a CUA Personal Loan
Buying a car with a CUA Personal Loan
Whether you’re after a new or used vehicle, a CUA Personal Loan can give you the freedom to make extra repayments and pay it off sooner without being penalised. First cars, upgrades, or buying your dream vehicle – find the loan that suits your needs and apply today.
Features & benefits
Monthly Fees
You can enjoy having a little extra money in your pocket.
Unlimited extra repayments
Make extra repayments without any fee, and pay your loan off sooner.
Flexible repayment options
Choose to make either monthly, fortnightly or weekly repayments to suit your income and budget.
No penalties for early payout
Pay off your loan sooner without being charged a fee.
Easy access to funds with redraw
Enjoy access to your additional repayments with redraw, so you can use it whenever unexpected costs arise.**
Personal Loans
Calculators
Personal Loans
Secured Fixed Car Loan
New and used cars up to 7 years old
The car you are buying can be used as security for a loan.
  • Loans from $5,000 to $100,000^
  • $0 Monthly fees
  • $0 Early payout fees
  • Unlimited fee-free extra repayments
6.79
%
p.a.
7.16
%
p.a.
Comparison Rate+
Apply online
Learn more
Unsecured Fixed Personal Loan
Used cars over 7 years old
Peace of mind knowing that your repayments will not change.
  • Loans from $5,000 to $50,000^
  • $0 Monthly fees
  • $0 Early payout fees
  • Unlimited fee-free extra repayments
9.39
%
p.a.
9.64
%
p.a.
Comparison Rate*
Apply online
Learn more
Unsecured Variable Personal Loan
Used cars over 7 years old
Enjoy greater freedom with a great range of features.
  • Loans from $5,000 to $60,000 ‡
  • $0 Monthly fees
  • $0 Early payout fees
  • Unlimited fee free extra repayments
11.89
%
p.a.
12.15
%
p.a.
Comparison Rate*
Apply online
Learn more
Calculators
$
You can borrow between and .^ Please enter an amount between and .
Repayment frequency
The vehicle is [vehicle-age] years old Please enter a valid date

Secured rate of [rate]% can only be applied to loans when the vehicle age is 7 years or less.

Your repayments would be

$[repayment]

Total interest payable $[interest]

*** 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.

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
Easy to make payments, easy to deal with, very competitive interest rates and able to look at everyone’s situation individually.
James, NSW
CUA Member - Car loan

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
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
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Tips for buying a car

There are plenty of options when buying a car, here are some handy tips to help you get started.

The pros and cons of buying new and used cars

You’re ready to upgrade your wheels or say goodbye to public transport and hello to the open road via car ownership.

Six ways to save when you buy a car

Tips from a money expert to help make sure you get the best deal possible when you go to buy a new car.

Buying a car guide

There are plenty of options to consider when buying a car, from the engine size, a new or second hand model and the colour!
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.