Compare FCCS Credit Union Car Loans & Interest Rates - Best Find

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Type of vehicle loan

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Fccs Credit Union Car Loans

Reward Car Loan

Want to own your new car sooner? This loan is perfect if you are looking to buy a new car or a car that is still under the manufacturers warranty. Interest rate discounts are available when you purchase certain Loan Protection Insurance products.

Overview

Minimum loan amount$5,000

Maximum loan amount$500,000

Minimum term1 year

Maximum term7 years

Advertised rate7.95%

Comparison rate9.27%

Monthly repayments (approx)$319

Total repayments (approx)$11,492

Total interest repayments (approx)$1,492

Rate typeVariable

Secured or unsecuredSecured

Security required Yes

Application / establishment fees$195

Other Fees & Information

Monthly fee$0.0

Quarterly fee$0

Annual fee$0

Other fees$0

Missed payment fee$0

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Encumberance/REVVS check fee$0

For used vehiclesYes

SponsoredNo

Telephone1300 361 555

Data accurate as of02.04.2017

Comparison warning Comparison rates are based on a secured loan amount of $30,000 over a term of 5 years. WARNING: These comparison rates are 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.

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Used Car Loan

For the purchase of a pre-loved car. Interest rate discounts are available when you purchase certain Loan Protection Insurance products.

Overview

Minimum loan amount$5,000

Maximum loan amount$500,000

Minimum term1 year

Maximum term7 years

Advertised rate10.95%

Comparison rate12.29%

Monthly repayments (approx)$333

Total repayments (approx)$12,007

Total interest repayments (approx)$2,007

Rate typeVariable

Secured or unsecuredSecured

Security required Yes

Application / establishment fees$195

Other Fees & Information

Monthly fee$0.0

Quarterly fee$0

Annual fee$0

Other fees$0

Missed payment fee$0

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Encumberance/REVVS check fee$0

For used vehiclesYes

SponsoredNo

Telephone1300 361 555

Data accurate as of02.04.2017

Comparison warning Comparison rates are based on a secured loan amount of $30,000 over a term of 5 years. WARNING: These comparison rates are 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.

Hide info ˄

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Compare 100s of car loans

Did you know you can compare 100s of car loans? Review, calculate interest rate repayments, apply online and save by visiting our main car loans comparison page.

Compare and review FCCS Credit Union car loans

Looking to finance a new or used car, van, truck or motorcycle? When comparing FCCS Credit Union car loans, there are other key facts to consider and understand, other than just FCCS Credit Union’s interest rates.

What car loan options are available?

FCCS Credit Union has 2 car loan products:

  • FCCS Credit Union Reward Car loan
  • FCCS Credit Union Used Car loan

View the above table for detailed product information and a comparison of the interest rates, fees and features.

You can also review and compare FCCS Credit Union personal loans and FCCS Credit Union home loans.

Do you have an FCCS Credit Union car loans calculator?

Yes. Use the filter to adjust your loan amount and term to calculate your approximate monthly repayments. When you apply the filter, you will see a breakdown of your approximate monthly repayments as well as the total amount of interest and fees paid.

For a more accurate quote, contact FCCS Credit Union directly.

How to apply for an FCCS Credit Union car loan?

If you’d like to apply online for an FCCS Credit Union car loan, just scroll up and click on “Learn more” to be taken to FCCS Credit Union’s secure online application form. Before you apply, be sure to learn about FCCS Credit Union’s loan products, fees and eligibility criteria. Give yourself around 30 minutes to complete the car loan application.

FCCS Credit Union’s car loan eligibility criteria

Before you apply for a car loan, be sure to understand and meet the FCCS Credit Union’s lending criteria. Below is high-level overview of FCCS Credit Union’s criteria:

FCCS Credit Union’s minimum requirements for a car loan

  • Minimum age of 18
  • Earn a minimum of $15,000 per annum
  • You’re buying a car or motorcycle for personal use
  • Minimum loan amount of $5,000 or more
  • You’re a permanent Australian resident or valid work visa holder (457 or other diplomatic visas)

Information you’ll need to provide

Whether at the FCCS Credit Union branch or online, make sure to have the following details and documents nearby:

  • A current Australian driver’s license (if you have one)
  • Your current employer’s name, contact name and phone number
  • Previous employer, if you’ve changed jobs in the last three years
  • Income, expenses, assets and liabilities (such as other loans or credit cards)

Are you self-employed?

If you’re self-employed, you will also need to provide:

  • Financial statements for the last year (no older than 18 months)
  • Your most recent personal/business tax return (no older than 18 months)

Other things to keeping mind when applying

  • Approval time takes between 1 to 3 business days
  • It’s advantageous to have a good credit history. For example, you have no recent defaults and no frequent requests for credit
  • Credit cards with large credit limits are seen as liabilities, even if there’s nothing owing. If you have existing liabilities, be certain you can pay them off in addition to your FCCS Credit Union car loan

There are many additional factors FCCS Credit Union consider when accessing your application, but the above are the most important. If you feel like you may not meet their eligibility criteria, it may be best to save!

What can you use an FCCS Credit Union car loan for?

Examples of common loan purposes FCCS Credit Union will lend for:

Additional FCCS Credit Union car loan information

FCCS Credit Union’s minimum and maximum car loan amounts and terms

How much can you borrow? Between $5,000 and $80,000, over terms between 1 year and 7 years. Use our filter as a repayment calculator to see your monthly repayments and rates.

Repayment schedule

FCCS Credit Union allow weekly, fortnightly or monthly repayment.

Extra repayment or early penalties

FCCS Credit Union allows you to make additional or early repayments. There are no fees associated with completely repaying your loan off early. View their terms and conditions to learn more about early termination.

Security

FCCS Credit Union’s Car Loans require an asset (typically, the vehicle) as security.