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Coastline Credit Union personal loans

Coastline Credit Union is a mutual financial institution based on the north coast of New South Wales, Australia. Coastline Credit Union operates branches within New South Wales, but does not operate centres nationwide.

This credit union offers both secured and unsecured personal loans with a range of features and interest rates.

Coastline Credit Union has been in business for over 50 years.

Nick Bendel
Nick Bendel

Property & Personal Finance Writer

Content updated

Product data updated

Why choose Coastline Credit Union

Benefits

  • No monthly fees
  • Free redraw facility
  • Additional repayments allowed

Drawbacks

  • Charges an establishment fee
  • Moderate interest rates on unsecured loans
  • Limited branch access

Coastline Credit Union Personal Loans

Personal Loans calculator

Use our personal loan calculator to see how much you’d have to repay under different borrowing scenarios.

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  1. This is an estimate of how much you would pay (weekly/fortnightly/monthly) based on your borrowing amount, interest rate and loan term.
  2. Calculations assume that details entered into calculator, including interest rates, do not change for the lifetime of the loan.
  3. Interest is calculated by compounding on the same frequency as the repayment selected, i.e. weekly, fortnightly or monthly.
  4. Months are assumed to be of equal length. However, given that some months are longer than others, interest charged by vary depending upon the month.
  5. The calculation rounds of the personal loan repayment to the closest dollar value without decimals.
  • All calculations are estimates only; there are no guarantees, pre-qualifications or pre-approvals for borrowing. All results are based solely upon the data entered into the calculator.
  • Your final mortgage repayments or borrowing amount will depend on your lender’s eligibility criteria among other factors.
  • Calculator does not include the cost of fees or other extra charges.
  • Calculator does not account for changes to interest rates over time.
  • This calculator is for information purposes only. Any advice is general and has not taken into account your personal circumstances. Read our full disclaimer.

Features of Coastline Credit Union personal loan

Coastline Credit Union offers both secured and unsecured personal loans, though their selection is smaller than you may find with larger banks in Australia. Coastline Credit Union personal loans have a flexible loan period and a maximum borrowing amount of $200,000.

Coastline Credit Union personal loans allow additional repayments and provide a free redraw facility. While Coastline Credit Union does not charge a monthly fee, it does charge an establishment fee.

Current personal loan interest rates for Coastline Credit Union loans range from very low to moderate. Coastline Credit Union’s best personal loan rates can be found with their secured loans.

Coastline Credit Union personal loans - customer service

Customers can contact Coastline Credit Union by phone, email or mail. Customers are also invited to visit a bank branch.

Customer service is available during business hours, but customers with lost or stolen cards can call at any time.

Who is eligible for a Coastline Credit Union personal loan?

  • Must be at least 18 years old
  • Must be a permanent Australian resident or citizen
  • Must be in paid employment
  • Must not have been bankrupt

How to apply for a Coastline Credit Union personal loan?

  • After you’ve chosen your loan, click ‘Apply Now’
  • Confirm your eligibility
  • Complete the online application form
  • Submit the online application form and wait for a response

Coastline Credit Union personal loans review

As a small personal loan lender, Coastline Credit Union offers fewer loans than larger banks. However, Coastline Credit Union provides customers with both secured and unsecured options.

Coastline Credit Union personal loans have flexible loan repayment options and flexible loan periods. Customers can borrow up to $200,000. Coastline Credit Union charges customers a loan establishment fee, but does not charge a monthly account-keeping fee.

The features of Coastline Credit Union personal loans vary from product to product, but all Coastline Credit Union personal loans allow additional repayments and provide a free redraw facility.

Coastline Credit Union personal loan rates tend to range from very low to moderate. In general, customers receive lower personal loan interest rates on secured loans versus unsecured loans.

Before applying for a personal loan, it’s best to compare personal loan rates to find the right option for you.

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.