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Green Personal Loan

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I want to borrow

Loan Term

years

Repayment Frequency

Green Personal Loan Pros and Cons

Pros:
  • No ongoing fees
  • No early exit penalty
  • Can apply in branch
Cons:
  • Application fee charged
  • Requires security to be held
  • Cannot apply online
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Southern Cross Credit Union Green 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
$125
Ongoing Fee
Ongoing Fee
$0
Borrowing range
Borrowing range
$10k - $35k
Total Repayments
Total Repayments
$33,480
Early Exit Penalty Fee
Early Exit Penalty Fee
$0
Missed Payment Penalty
Missed Payment Penalty
$0
Redraw Activation Fee
Redraw Activation Fee
N/A
Repayment Type
Repayment Type
Variable
Loan Type
Loan Type
Secured
Secured by vehicle
Secured by vehicle
Secured by property
Secured by property
Security by bank deposits
Security by bank deposits
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
$125
Ongoing Fee
Ongoing Fee
$0
Borrowing range
Borrowing range
$10k - $35k
Total Repayments
Total Repayments
$33,480
Early Exit Penalty Fee
Early Exit Penalty Fee
$0
Missed Payment Penalty
Missed Payment Penalty
$0
Redraw Activation Fee
Redraw Activation Fee
N/A
Repayment Type
Repayment Type
Variable
Loan Type
Loan Type
Secured
Secured by vehicle
Secured by vehicle
Secured by property
Secured by property
Security by bank deposits
Security by bank deposits
Redraw Facility
Redraw Facility
Extra Repayments
Extra Repayments
Line of Credit
Line of Credit
Other Restrictions
Motor vehicle age < 5 years old and has a Greenhouse rating of > 7 according to the Green Vehicle Guide.

Southern Cross Credit Union was established in 1966, in the Northern Rivers region of New South Wales, as the Tweed BGF Members Credit Union. In 1975, it merged with Lismore Community Credit Union to become Tweed Byron Credit Union before changing its name to Southern Cross Credit Union in 1997.

Today, Southern Cross Credit Union has grown to serve members from across New South Wales and Australia.

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.

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