Personal and Car Loans

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Loan Type	Interest Rate	Comparison Rate
Student/Apprentice Loan	12.20% pa	12.20% pa*
Unsecured Personal Loan (less than $15k)	14.20% pa	16.61% pa**
Unsecured Personal Loan (greater than $15k)	13.95% pa	14.57% pa*
Debt Consolidation	15.20% pa	15.82% pa*
Brand NEW Car (less than 12 months)		*
New Car Loan (Vehicle 1-5 Yrs Old)		*
New Car Loan with 10% equity option (0.50% discount)^		*
Used Car Loan (Vehicle 5+ Yrs Old)		*
Used Car Loan with 10% equity option (0.50% discount)^		*

Rates effective 10 November 2015.

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^{* Comparison rates are based on a $30,000 loan over 5 years with monthly repayments.

**Comparison rates are based on a $10,000 loan over 3 years with monthly repayments

^ Only applicable for the purchase of a motor vehicle with a minimum 10% deposit.}

^{WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. A comparison rate schedule is available at any Credit Union branch.}

^{Please note: Terms and Conditions, Fees and charges apply which are available on application.}