Invest in your future with a CUA Personal Loan
Personal loans for education
Our personal loans can help you further your education and your career. Whether it’s for an MBA, Master’s, short course, tuition fees, training expenses, or study fees not covered by government HECS-HELP loans or assistance.
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
Very easy to apply. Easy to transfer extra payments via CUA online banking.
Michael, NSW
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 way 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

Financial tips for students

Learn how to manage your finances while furthering your career.

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?

What’s the difference between the interest rate and comparison rate?

Knowing the difference between the interest rate and comparison rate on a loan means making a fully informed decision is that bit easier.

How Quickly Could You Pay Off Your Master’s?

Is a master’s degree worth it? Will it pay itself off in a few years or just weigh you down financially? We answer these questions and more in this article.

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.