Debt Consolidation
We can help you take control with a Personal Loan for debt consolidation
Consolidating debt with a CUA Personal Loan
Managing multiple debt payments can be tough. At CUA we can help you take control. Consolidating your debts under one personal loan gives you one clear repayment schedule and with a competitive interest rate you may come out ahead and pay your debts off sooner.
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
Personal Loans
Unsecured Fixed Personal Loan
Peace of mind knowing that your repayments won’t change.
  • Loans from $5,000 to $50,000^
  • $0 Monthly fees
  • $0 Early payout fees
  • Unlimited fee-free extra repayments
Comparison Rate*
Unsecured Variable Personal Loan
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
Comparison Rate*
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


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
I was happy with the service had quick approval and loan funded quickly.
Irene, VIC
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!

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)

Find a branch
Speak to one of our friendly staff at a branch near you.
Chat with iMCUA
Use our app to chat

Tips for debt consolidation

Handy tips to consolidate your debts for greater financial freedom

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?

How consolidating your debt can be a good move for your finances.

Learn how consolidating your debt can be a big help to you and your finances in lots of different ways.

How do I consolidate my debt?

Find out how the process works with our step-by-step guide to consolidating your debt.

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.

** 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.