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Unsecured Variable Personal Loan

For loans from $5,000^

Back to Personal Loans

With a variable personal loan you’ll get a great rate and the flexibility to reach your goals sooner.

Compare our Unsecured Variable Personal Loan rates

Interest Rate

Comparison rate****

Unsecured Variable Personal Loan Rate¹

Unsecured Variable Personal Loan (for loans from $5,000 to $100,000^‡)

11.89%p.a.

12.15%p.a.

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Why choose our Unsecured Variable Personal Loan?

Get a low variable rate Show content

Whatever your goals are, our competitive variable rate will help you get there faster.

No monthly fees Show content

With $0 monthly fees, you can enjoy having a little extra money in your pocket.

Unlimited free extra repayments Show content

If you have some spare cash, you can make extra repayments to pay off your loan quicker without being charged a fee.

Easy access to your cash with redraw Show content

Enjoy access to your additional personal loan repayments with redraw, so you can use it whenever you need some breathing space^<|.

Flexible repayment options Show content

Choose to make either monthly, fortnightly or weekly repayments to suit your income and budget.

$0 fee for early payout Show content

Enjoy the flexibility to pay off your loan sooner without being charged a fee.

Unsecured Variable Personal Loan

Eligibility

Borrow from $5,000 to $60,000 online^
You must be:

18 years of age or older
A permanent resident of Australia
Other loan criteria may apply

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Fees Show content

Establishment fee	$175
Monthly fee	$0
Early payout fee	$0

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Choose a personal loan that suits your needs

Important information Show content

Rates current as at 27 October 2020 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.

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. Ask us for details.

Loan term for a CUA Unsecured Variable Personal Loan or Discount Variable Personal Loan ranges from 1 to 7 years. For a loan amount of $30,000 over 5 years:

with a maximum variable interest rate of 11.89% p.a. (12.15% p.a. comparison rate) for the Unsecured Variable Personal Loan, the estimated total amount payable (including fees) is $40,115.02.

**** Comparison rate calculated on a loan amount of $30,000 over a term of 5 years based on monthly repayments. Rates are for unsecured loans only. 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.

^ Drop in to your local branch for a loan from $1,000.

^‡ Borrow up to $60,000 online, over $60,000 in branch.