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Credit Union SA Personal Loans

Credit Union SA is South Australia’s third largest credit union. Credit Union SA is owned by its members, which means it does not have any external shareholders.

Credit Union SA was formed in 2009 with the merger of two South Australian credit unions, Satisfac and Powerstate.

Credit Union SA serves over 49,000 members and operates six branches across South Australia.

Credit Union SA personal loan repayment calculator

Thinking about taking out a personal loan with Credit Union SA? Use our personal loan calculator to see how much you’d have to repay under different borrowing scenarios. You can also see how Credit Union SA personal loans compare with other options.

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Credit Union SA Personal Loans rates

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Features of a Credit Union SA personal loan

As a regional personal loan lender, Credit Union SA has a limited range of loans. However, customers are able to choose between flexible and low-rate options with either fixed or variable interest.

Credit Union SA charges an upfront establishment fee, but does not charge any monthly account-keeping fees. Credit Union SA allows additional repayments with no penalty and has a maximum load period of seven years.

Credit Union SA personal loan rates range from very low to moderately high, depending on the product you choose.

Credit Union SA personal loans - customer service

Credit Union SA customers can contact customer service by phone, online enquiry or by visiting a Credit Union SA branch.

Customer service via phone is available from 8am-5:30pm on weekdays and from 9am-12pm on Saturdays.

Who is eligible for a Credit Union SA personal loan?

  • Must be at least 18 years old
  • Must be a permanent Australian resident or citizen
  • Must be currently employed
  • Must not be a US resident for taxation purposes
  • Must never have been bankrupt

How to apply for a Credit Union SA personal loan?

  • Click ‘Apply Online’
  • Confirm your eligibility
  • Complete the online application form
  • Submit the online application form and wait for a response

Credit Union SA personal loans review

Credit Union SA provides personal loans for a range of expenses, including large purchases, home renovation and debt consolidation.

Customers can choose between secured and unsecured arrangements, and select either variable or fixed interest. Credit Union SA personal loans have a maximum loan term of seven years.

Credit Union SA charges a one-off establishment fee but does not charge monthly account-keeping fees. Customers can make additional repayments at no extra cost, and there is no penalty for paying your loan off early. Credit Union SA also has free redraw facilities.

Credit Union SA’s current personal loan interest rates range from very low to moderately high. Customers will typically get Credit Union SA’s best personal loan rates on secured loan options. Before applying, it’s best to compare personal loan rates to ensure you choose the right option for you.

^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, fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.

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