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Bcu Car Loans

Get a whiff of that new car smell or buy your used car at a bargain with a bcu car loan. If you don’t want to wait for your savings to stack up, this financial product still gets you behind the wheel. Compare options now and do the repayment calculations below to start driving.

Calculate repayments

Enjoy your adventures with a new car loan special, rcomparison rates from 6.82%, redraw facility and fast approval times.

Overview

Application / establishment fees$250

Minimum loan amount$4,000

Maximum loan amount$60,000

Minimum term1 year

Maximum term5 years

Car loan interest rates (base)5.90%

Car loan comparison rate6.82%

Monthly repayments (approx)$578

Total repayments (approx)$34,715

Total interest repayments (approx)$4,715

Rate typeVariable

Secured or unsecuredSecured

GO TO bcu

Other Fees & Information

Monthly fee$8.0

Other fees$0

Missed payment fee$0

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Exit / early repayment fee$0

Encumberance/REVVS check fee$0

For used vehiclesNo

SponsoredNo

Telephone1300 228 228

Data accurate as of13.09.2017

GO TO bcu

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Looking to renovate, plan a wedding or enhance your lifestyle, a bcu Freedom Personal Loan can help to make it happen with variable comparison rates from 9.85% p.a.

Overview

Application / establishment fees$250

Minimum loan amount$4,000

Maximum loan amount$75,000

Minimum term1 year

Maximum term5 years

Car loan interest rates (base)7.83%

Car loan comparison rate8.74%

Monthly repayments (approx)$605

Total repayments (approx)$36,351

Total interest repayments (approx)$6,351

Rate typeVariable

Secured or unsecuredSecured

GO TO bcu

Other Fees & Information

Monthly fee$8.0

Other fees$0

Missed payment fee$0

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Exit / early repayment fee$0

Encumberance/REVVS check fee$0

For used vehiclesYes

SponsoredNo

Telephone1300 228 228

Data accurate as of13.09.2017

GO TO bcu

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Pay ZERO fees on all loans with NOW Finance. That's right - no establishment fee, no monthly fees, no early payout fee on all loans between $15,000-$100,000. What's more, get your guaranteed, tailored interest rate in two minutes without impacting your credit score.

Overview

Application / establishment fees$0

Minimum loan amount$15,000

Maximum loan amount$100,000

Minimum term1.5 years

Maximum term7 Years

Car loan interest rates (base)4.45%

Car loan comparison rate4.45%

Monthly repayments (approx)$558

Total repayments (approx)$33,516

Total interest repayments (approx)$3,516

Rate typeFixed

Secured or unsecuredYes

GO TO Now Finance

Other Fees & Information

Monthly fee$0.0

Other fees$0

Missed payment fee$0

Repayment scheduleWeekly, Fortnightly

Early repayments allowedYes

Exit / early repayment feeYes

Encumberance/REVVS check fee$0

For used vehiclesYes

SponsoredYes

Telephone1300 275 669

Data accurate as of21/02/2021

GO TO Now Finance

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There's nothing quite like the thrill of buying a car, but one of the biggest challenges is finance. Ideally you'll want a car loan that offers flexibility and a low competitive rate, and is easy to apply for.

Overview

Application / establishment fees$399

Minimum loan amount$10,000

Maximum loan amount$100,000

Minimum term1 year

Maximum term7 years

Car loan interest rates (base)4.99%

Car loan comparison rate5.69%

Monthly repayments (approx)$566

Total repayments (approx)$33,960

Total interest repayments (approx)$3,960

Rate typeFixed

Secured or unsecuredSecured

GO TO NRMA

Other Fees & Information

Monthly fee$0.0

Other fees$0

Missed payment fee$0

Repayment scheduleFortnightly, Monthly

Early repayments allowedYes

Exit / early repayment fee$205 or 2% of outstanding balance (whichever the greater) at the time the final payout is made. Applies in the first three quarters of the original loan term only.

Encumberance/REVVS check fee$0

For used vehiclesNo

SponsoredYes

Telephone1300 732 398

Data accurate as of12/08/2020

GO TO NRMA

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A quick and easy, 100% online application. No printing. No paper. No fuss. No monthly account keeping fees, no exit fees and no early repayment fees.

Overview

Application / establishment fees$250

Minimum loan amount$2,001

Maximum loan amount$75,000

Minimum term1 year

Maximum term7 years

Car loan interest rates (base)5.35%

Car loan comparison rate5.65%

Monthly repayments (approx)$570

Total repayments (approx)$34,257

Total interest repayments (approx)$4,257

Rate typeFixed

Secured or unsecuredSecured

GO TO OurMoneyMarket

Other Fees & Information

Monthly fee$0

Other fees$0

Missed payment fee$35

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Exit / early repayment fee$0

Encumberance/REVVS check fee$27

For used vehiclesYes

SponsoredYes

Telephone1300 990 115

Data accurate as of30/04/2021

GO TO OurMoneyMarket

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NRMA used car loans can help you get one step closer to owning your dream pre-loved car.

Overview

Application / establishment fees$399

Minimum loan amount$10,000

Maximum loan amount$100,000

Minimum term1 year

Maximum term7 years

Car loan interest rates (base)6.24%

Car loan comparison rate6.94%

Monthly repayments (approx)$583

Total repayments (approx)$35,000

Total interest repayments (approx)$5,000

Rate typeFixed

Secured or unsecuredSecured

GO TO NRMA

Other Fees & Information

Monthly fee$0.0

Other fees$0

Missed payment fee$0

Repayment scheduleFortnightly, Monthly

Early repayments allowedYes

Exit / early repayment fee$205 or 2% of outstanding balance (whichever the greater) at the time the final payout is made. Applies in the first three quarters of the original loan term only.

Encumberance/REVVS check fee$0

For used vehiclesYes

SponsoredYes

Telephone1300 732 398

Data accurate as of12/08/2020

GO TO NRMA

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Minimum and maximum loan periods vary between 6 months and 10 years. Comparison interest rates vary between 6.55% and 19.07% p.a. Total interest repayments vary between $4,290 and $14,531 over the life of the loan. *Comparison rate is based on an unsecured loan of $30,000 for a term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. These rates can change without further notice. All rates quoted are per annum. For more information regarding fees click on "View fees & additional info +" for each product or contact the provider.

What type of car loan are you looking for?

Bcu car loans in Australia – Find finance that takes you far

Bcu or Bananacoast Community Credit Union Ltd has its origins in the early 1970s. A small group of business owners, mainly banana farmers, banded together on the NSW North Coast to provide a viable alternative to the big banks in the form of local and realistic banking services.

Following a merger, bcu is now a division of Police & Nurses Limited. It’s still engaged in offering localised financial services in Port Macquarie all the way to the Sunshine Coast. bcu’s list of products also extends far, including home loans, investment loans, credit cards, and personal loans.

Zooming in on their personal loans, you can use this bcu product to buy a car or motorbike that’s up to 5 years old. Here’s more you need to know about bcu car loans.

Summary of bcu car loans

Disclaimer: Please note that since bcu has consolidated their car loans with their personal loans a bcu car loan is, simply a type of personal loan.

  • Min and max loan amount – $4K – $75K
  • Max loan term – 5 years
  • Interest rate – 5.65% p.a
  • Interest rate type – Variable rate
  • Pros – You get a competitive rate and fewer fees.
  • Cons – Bcu only offers secured loans, and the car’s age is restricted to 5 years or less.
  • Uses – Buying a new or used car or motorbike.
  • In a nutshell – The bcu new car loan might suit you if you want to finance a car that’s not older than 5 years and are willing to use your purchase as collateral. You’ll get a very competitive rate and a few beneficial features such as a redraw facility and the ability to make additional repayments.

A closer look at bcu car loan features

The bcu car loan comes with the following key features and benefits:

  • Fast application. To speed up your loan application, you can apply online or over the phone.
  • Additional repayments and early payoff. You get the flexibility to make additional loan repayments and to also pay the loan out early with no extra charges
  • Redraw facility. You are free to access any additional repayments made whenever you need to without incurring a redraw fee.
  • Variable rate. The product comes with a variable rate only – there are no fixed rate options.

Fees and charges

The good news is, besides the $200 establishment fee, bcu doesn’t charge much. There are no monthly or redraw fees, so your borrowing costs will be lower. However, this may be subject to change, and other fees may apply, so when the time comes, check the fine print.

To get a better picture of what you can afford, you can use BestFind’s bcu car loan calculator to estimate your repayments. Also browse our car loan comparison table to see how bcu measures up to other lenders on the market.

Applying for a bcu car loan

For those who are already members, bcu promises a fast online application. Start by clicking the bcu “Go to Site” button in the table above. However, if you’re not a bcu member but are interested in applying for a product, simply use the same link to access information that will put you in contact with a bcu lending specialist.

If you decide to apply, check if you meet the following qualifications, first:

  • Be at least 18 years of age
  • Have a regular income
  • Be a permanent Australian resident or citizen
  • Must not be an un-discharged bankrupt
  • Must not have any outstanding defaults or judgements

During the application, you’ll need to complete the form with your loan details, for instance, how much you wish to borrow and the loan purpose. You’ll also need to provide personal information and financial details about your income(s), liabilities, assets, and expenses.

Interested in an unsecured loan, instead? Check out our bcu personal loan guide.

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