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CUA Car Loans

CUA car loans are one of the top, enticing options for Aussies looking to slide behind a new wheel. Coming from Australia’s largest credit union, getting a fairer deal doesn’t get better than this. Learn more below by browsing options and calculating repayments before you decide to apply.

Calculate repayments

Let us help you get on the road. With our Secured Fixed Car Loan you'll get a great rate, plus lots of features to help you get to your destination faster.

Overview

Application / establishment fees$175

Minimum loan amount$5,000

Maximum loan amount$100,000

Minimum term1 year

Maximum term7 years

Car loan interest rates (base)6.79%

Car loan comparison rate7.16%

Monthly repayments (approx)$591

Total repayments (approx)$35,464

Total interest repayments (approx)$5,464

Rate typeFixed

Secured or unsecuredSecured

GO TO CUA

Other Fees & Information

Monthly fee$0.0

Other fees$0

Missed payment fee$0

Repayment scheduleFlexible

Early repayments allowedYes

Exit / early repayment fee$0

Encumberance/REVVS check fee$90

For used vehiclesYes

SponsoredNo

Telephone133 282

Data accurate as of09.05.2018

GO TO CUA

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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. ^Charges such as default or enforcement costs may apply if you do not comply with the terms of your loan.

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$35

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?

CUA car loans – Borrow from Australia’s largest credit union

Get ready to learn everything you need to know about CUA car loans in the next sentences. For starters, CUA is Credit Union Australia, the country’s largest credit union. You may have heard that credit unions have some advantages over banks, and CUA is no different. It has the same members-over-profits approach that gives credit unions such a good rep.

Plus, when you become a CUA member, you also become a shareholder capable of voting at the Annual General Meeting and taking part in CUA’s general governance. If this sounds like the sort of friendly relationship you would like to have with your credit provider, then stick around for that info on CUA car loans.

CUA car loans quick review

  • Loan amounts. From $5,000 to $100,000
  • Loan terms. Up to 7 years
  • Interest rate. From 6.79%
  • Security. Secured and unsecured options available.
  • Pros. Unlimited extra repayments, no early repayment fees, and a redraw facility.
  • Cons. Establishment fee of $175
  • Best for. Anyone looking to purchase a new or used car from a non-bank that offers competitive rates and terms.

CUA offers three types of personal loans for buying a car

  • Secured fixed car loan. If you want the most competitive rate available from CUA, a secured loan is your best bet. The option comes with a fixed rate, so there’s the added benefit of fixed repayments that are easy to budget for. You can borrow at least $5,000 and up to $100,000 for any new or used vehicle up to seven years old.
  • Unsecured fixed personal loan. This option offers between $5,000 and $50,000. Additionally, the fixed rate offers peace of mind from knowing you’ll always have to pay the same minimum repayment every time.
  • Unsecured variable personal loan. With this option, you have access to between $5,000 and $60,000. The variable rate means your repayments may fluctuate over the term. This gives you the opportunity to save if rates fall, but you may end up with a tighter budget if rates increase.

If you need to finance something other than a car, check out CUA personal loans to see if they’ll do the job.

CUA offers flexible repayment options

  • Unlimited extra repayments. If you’re like some people, you may want to pay extra on top of your minimum repayments when your finances are looking good. CUA allows you to do this without penalty. If you keep it up, you’ll end up wiping out your debt earlier.
  • No early exit penalties. Paying off your debt sooner is a great way to trim interest and fees. The lack of early exit fees makes this option cost-effective, and the earlier you pay off the debt, the more you save.
  • Flexible repayment options. You can opt for monthly, fortnightly, or weekly repayments – whichever is a better match for your income cycle. You can also use our CUA car loan calculator to find a repayment that’s just the right amount for your budget.
  • Access your extra repayments via the redraw facility. You may need your extra repayments back when unexpected expenses come up. The good news is a CUA car loan comes with a redraw facility just for this purpose.

Rates, fees, and charges

Interest rates start from 6.79% p.a. if you choose the secured option. They then go up to 9.39% p.a. with the unsecured fixed option. Last, the unsecured variable offer is available at a rate of 11.89%.

When it comes to fees and charges, you only have to pay an establishment fee of $175 for the unsecured options. However, a secured car loan also has a $90 security administration fee, so that the total fees come up to $265. There are no ongoing monthly fees or penalties for extra repayments and early exit.

Eligibility and what you’ll need

  • Be at least 18 years of age
  • Have Australian citizenship or permanent residency
  • Earn a regular income
  • Must not have been bankrupt or insolvent in the past five years
  • Provide your email address, contact number, and CUA Member number (if applicable)
  • Provide details about your employment, income, assets, expenses, debts together with your driver’s licence, Medicare, or passport details.

Applying to Credit Union Australia

If you want to head over to CUA’s online car application straight from this page, click the “Go to Site” button in the table above. Once you reach CUA’s website, follow these steps:

  • Complete the online application – This takes not more than 20 minutes.
  • Accept the offer. Once approved, you’ll be able to receive and sign your loan contract online.
  • Get your money. The funds are then transferred into your CUA account.

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