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Important disclosure

Northern Inland Credit Union

Smart Personal Loan Unsecured

Real Time Rating™

  • 1 to 5 years
  • Unsecured
  • Variable Rate
Interest Rate

11.99%

p.a

Comparison Rate*

12.81%

p.a

Real Time Rating™
Tags
  • 1 to 5 years
  • Unsecured
  • Variable Rate
Interest Rate

11.99%

p.a

Comparison Rate*

12.81%

p.a

Calculate your repayments for this loan

$

Your estimated repayment

$996

based on $30,000 loan amount for 3 years at 11.99%

Pros and cons

For Smart Personal Loan Unsecured

Benefits

  • Unlimited extra repayments
  • Flexible repayment options
  • No security required
  • Can apply in branch
  • Use the loan for any worthwhile purpose

Drawbacks

  • Service fee charged
  • Higher than average application fee
  • Cannot apply online

Northern Inland Rate Personal loan overview

For Smart Personal Loan Unsecured

Details

Total repayments

$35,866

View repayment schedule »

Interest rate type

Variable

Borrowing range

$5k - $25k

Security type

Unsecured

Loan term

1 to 5 years

Secured by

Loan type

Is Fully Drawn Advance

Repayment frequency

Weekly, Fortnightly, Monthly

Target Market Determination

Visit Northern Inland Credit Union to view Target Market Determination.

Features

Extra repayments

Yes

Redraw facility

redraw activation fee of $0

Instant approval

Time to funding

N/A

Fees

Upfront Fee

$200

Ongoing Fee

$8 Monthly

Missed Payment Penalty

$0

Early Exit Penalty Fee

$0

Permitted Loan Purposes

New Car

Used Car

Motorcycle

Boat

Debt Consolidation

Renovation

Holidays

Medical Bill

Shares

Student Loan

Wedding

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Product data updated on 16 Apr 2024

FAQs

How long are $3000 loans?

Medium amount loans can be repaid between 16 days and 2 years. Many personal loans have terms between 1 year and 5 years, though some are as short as 6 months while others last for 10 years.

Generally, the shorter a loan’s term, the more expensive your regular repayments may be, but the less total interest you’ll pay. Loans with longer terms mean more affordable repayments, but more interest charges over the full term.