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Online Personal Loan Package

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Loan Term

years

Repayment Frequency

Pros and Cons

Pros:
  • Features a low rate
  • No early exit penalty
  • Can apply online
  • Can apply in branch
  • Suitable for both new or used car
Cons:
  • Monthly fee charged
  • Application fee charged
  • Requires security to be held
  • Has ongoing fees
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Illawarra Credit Union Fees and Features

New Car
New Car
Used Car
Used Car
Motorcycle
Motorcycle
Boat
Boat
Student Loan
Student Loan
Debt Consolidation
Debt Consolidation
Renovation
Renovation
Shares
Shares
Holidays
Holidays
Medical Bill
Medical Bill
Wedding
Wedding
Upfront Fee
Upfront Fee
$200
Ongoing Fee
Ongoing Fee
$5 monthly
Borrowing range
Borrowing range
$10k - $100k
Total Repayments
Total Repayments
$32,472
Early Exit Penalty Fee
Early Exit Penalty Fee
$0
Missed Payment Penalty
Missed Payment Penalty
$0
Redraw Activation Fee
Redraw Activation Fee
$0
Repayment Type
Repayment Type
Variable
Loan Type
Loan Type
Secured
Secured by vehicle
Secured by vehicle
Available to 457 Visa Holders
Available to 457 Visa Holders
Redraw Facility
Redraw Facility
Extra Repayments
Extra Repayments
Line of Credit
Line of Credit
New Car
New Car
Used Car
Used Car
Motorcycle
Motorcycle
Boat
Boat
Student Loan
Student Loan
Debt Consolidation
Debt Consolidation
Renovation
Renovation
Shares
Shares
Holidays
Holidays
Medical Bill
Medical Bill
Wedding
Wedding
Upfront Fee
Upfront Fee
$200
Ongoing Fee
Ongoing Fee
$5 monthly
Borrowing range
Borrowing range
$10k - $100k
Total Repayments
Total Repayments
$32,472
Early Exit Penalty Fee
Early Exit Penalty Fee
$0
Missed Payment Penalty
Missed Payment Penalty
$0
Redraw Activation Fee
Redraw Activation Fee
$0
Repayment Type
Repayment Type
Variable
Loan Type
Loan Type
Secured
Secured by vehicle
Secured by vehicle
Available to 457 Visa Holders
Available to 457 Visa Holders
Redraw Facility
Redraw Facility
Extra Repayments
Extra Repayments
Line of Credit
Line of Credit
Other Benefits
100% offset account available to reduce interest
Other Restrictions
Asset used as security must be less than 2 years old, rate is only available as part of the package which includes a 100% offset account and Visa Debit card

Illawarra Credit Union is a member-owned credit union based in the Illawarra region of New South Wales. Because the credit union is owned by its members, Illawarra Credit Union profits are reinvested into its products and services.

Illawarra Credit Union has served the community for over 45 years and has grown to serve over four million members nationwide, making it one of the larger credit unions in Australia.

FAQs

Many lenders offer online applications for personal loans, which can be convenient for borrowers who don’t have a lot of free time. If you’re not confident your personal loan application will be approved, you may want to consider contacting the lender by email, live chat, phone, or by visiting a branch, to discuss your situation before applying.

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