Buying a car

Comparison Rate*
Secured Fixed 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!
Features & benefits
Whether you’re after a new or used car, a CUA Car Loan can give you the freedom to make extra repayments and pay it off sooner without being penalised - unlike some dealer finance.
No monthly fees
With $0 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 your cash with redraw
Enjoy access to your additional car loan repayments with redraw, so you can use it whenever you need some breathing space.**
Available for new and used vehicles up to 7 years old
New or used cars up to 7 years old can be used as security for your Fixed Rate secured loan.

New or used car

If you are buying a new car or a used car less than 7 years old, you can use the car you are buying as security for your personal loan.

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 up to $100,000.
  • Loans from $5,000 to $100,000^
  • $0 Monthly fees
  • $0 Early payout fees
  • Unlimited free extra repayments
Comparison Rate*
Unsecured Fixed Personal Loan
Used cars over 7 years old
Fixed repayments on loans up to $50,000 for used cars over 7 years old.
  • Loans from $5,000 to $50,000^
  • $0 Monthly fees
  • $0 Early payout fees
  • Unlimited free extra repayments
Comparison Rate*
Unsecured Variable Personal Loan
Used cars over 7 years old
Flexibility in repayments on loans up to $30,000 for used cars over 7 years old.
  • Loans from $5,000 to $100,000
  • $0 Monthly fees
  • $0 Early payout fees
  • Unlimited free extra repayments
Comparison Rate*

Loan Fees

Looking after your money shouldn't be expensive. That's why we won't charge you monthly account fees on your Personal Loan.

Check our full schedule of fees for more details on fees for CUA Personal Loans.

CUA Personal Loan Privacy Notice
Monthly account fees
& early payout fee

Account Fees

Establishment Fee
Monthly Fees
Security Administration fee
Early Payout Fee

Calculate your loan repayments

Discover what you can afford and how much you will save with a CUA Car 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?
Apply Now

~ 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

How to apply

Ready to apply? You can apply online today!

01. Ensure you are eligible to apply
There are a few eligibility requirements you should be aware of before applying for a CUA Car Loan.
02. Apply online
It should take about 20 minutes. You will need proof of ID and all current financial information.
03. Accept your loan contract
If approved, you will receive your loan contract to accept online.
04. Access your money
You can view your loan and repayment details in Digital Banking.
Are you eligible?
  • Must be at least 18 years of age
  • Be an Australian citizen or permanent resident
  • Be employed or receive regular income
  • Not be or have been insolvent or bankrupt
  • Have no past, present or pending claims against you
What you need to apply online
  • An email address and a contact number
  • Existing CUA Member number (if you already bank with us)
  • Australian Driver's Licence, Medicare or Passport Details
  • Employment and income details
  • Details of your assets, expenses and liabilities
More ways to apply for a CUA account
Call us on: 133 282
Mon - Fri: 8:00am - 8:00pm (AEDT)
Sat: 8:00am - 4:00pm (AEDT)
Visit one of our CUA Branches. Find a branch

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