product logo

Unsecured Personal Loan (Low Rate)

Compare

Customise your loan summary by entering your details:

I want to borrow

Loan Term

years

Repayment Frequency

Unsecured Personal Loan Pros and Cons

Pros:
  • No ongoing fees
  • No early exit penalty
  • Can apply online
  • Can apply in branch
Cons:
  • Application fee charged
Advertisement
Advertisement

People's Choice Credit Union Unsecured Personal Loan 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
$250
Ongoing Fee
Ongoing Fee
$0
Borrowing range
Borrowing range
$2k - $40k
Total Repayments
Total Repayments
$34,848
Early Exit Penalty Fee
Early Exit Penalty Fee
$0
Missed Payment Penalty
Missed Payment Penalty
$25
Redraw Activation Fee
Redraw Activation Fee
$0
Repayment Type
Repayment Type
Fixed
Loan Type
Loan Type
Unsecured
Secured by vehicle
Secured by vehicle
Secured by property
Secured by property
Security by bank deposits
Security by bank deposits
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
$250
Ongoing Fee
Ongoing Fee
$0
Borrowing range
Borrowing range
$2k - $40k
Total Repayments
Total Repayments
$34,848
Early Exit Penalty Fee
Early Exit Penalty Fee
$0
Missed Payment Penalty
Missed Payment Penalty
$25
Redraw Activation Fee
Redraw Activation Fee
$0
Repayment Type
Repayment Type
Fixed
Loan Type
Loan Type
Unsecured
Secured by vehicle
Secured by vehicle
Secured by property
Secured by property
Security by bank deposits
Security by bank deposits
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
Includes waived Zip account monthly fees
Other Restrictions
Minimum redraw amount is $250. Redraws are only available if sufficient extra repayments have been made against the loan account.

People’s Choice Credit Union is one of Australia’s largest credit unions and has provided financial assistance to customers since 1949.

People’s Choice Credit Union has over 1,000 employees serving more than 350,000 members around Australia, and 40 branches to visit (mostly located in South Australia).

Members have access to banking products such as personal loans, savings accounts, everyday banking, credit cards, home loans, term deposits and financial planning services.

FAQs

The worse your credit history, the harder you will find it to consolidate your debts, because lenders will be less willing to lend you money and will charge you higher interest rates.

However, people with bad credit histories can make debt consolidation work by following this three-step process. First, find a lender willing to give you a bad credit personal loan – this process will be simplified if you go through a mortgage broker or use a comparison website like RateCity. Second, make sure the interest repayments on your new loan are less than the repayments on the loans being replaced. Third, instead of spending those savings, use them to repay the new loan.

Details  
Compare your product with the big 4 banks, or add more products to compare
As seen on