Northern Inland Credit Union Car Loans, Interest Rates & Fees - Best Find
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Northern Inland Credit Union Car Loans

Northern Inland's Smart Personal Loan was awarded by Canstar for 'outstanding value' for 2017. Being secured by vehicle less than five years old or a term deposit, it is our lowest personal loan rate.

Overview

Application / establishment fees$200

Minimum loan amount$5,000

Maximum loan amount$100,000

Minimum term1 year

Maximum term5 years

Car loan interest rates (base)6.79%

Car loan comparison rate7.07%

Monthly repayments (approx)$591

Total repayments (approx)$35,464

Total interest repayments (approx)$5,464

Rate typeFixed

Secured or unsecuredSecured

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Other Fees & Information

Monthly fee$0.0

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 65 65 81

Data accurate as of02.04.2017

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Northern Inland's Smart Personal Loan can be secured by a vehicle between 6-10 years old. This is a car loan, personal loan to purchase household goods or loan for your dream holiday.

Overview

Application / establishment fees$200

Minimum loan amount$5,000

Maximum loan amount$100,000

Minimum term1 year

Maximum term5 years

Car loan interest rates (base)8.99%

Car loan comparison rate9.29%

Monthly repayments (approx)$622

Total repayments (approx)$37,356

Total interest repayments (approx)$7,356

Rate typeFixed

Secured or unsecuredSecured

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Other Fees & Information

Monthly fee$0.0

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 65 65 81

Data accurate as of02.04.2017

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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)6.99%

Car loan comparison rate7.55%

Monthly repayments (approx)$593

Total repayments (approx)$35,633

Total interest repayments (approx)$5,633

Rate typeFixed

Secured or unsecuredSecured

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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 of1/08/2018

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Get a new or used car loan from 8.95%* (Comparison rate 10.56%^ p.a) with a quick application process and no monthly fees.

Overview

Application / establishment fees4%, maximum $495

Minimum loan amount$4,000

Maximum loan amount$40,000

Minimum term1.5 years

Maximum term7 years

Car loan interest rates (base)8.95%

Car loan comparison rate10.56%

Monthly repayments (approx)$622

Total repayments (approx)$37,321

Total interest repayments (approx)$7,321

Rate typeFixed

Secured or unsecuredUnsecured

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Other Fees & Information

Monthly fee$13.0

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 of15.07.2018

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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 Northern Inland CU car loans

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

What car loan options are available?

Northern Inland CU has 2 car loan products:

  • Northern Inland CU Smart Personal Loan (0 to 5 Years)
  • Northern Inland CU Smart Personal Loan (6 to 10 Years)

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

You can also review and compare Northern Inland CU personal loansNorthern Inland CU home loan and Northern Inland CU credit cards.

Do you have a Northern Inland CU 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 Northern Inland CU directly.

How to apply for a Northern Inland CU car loan?

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

Northern Inland CU’s car loan eligibility criteria

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

Northern Inland CU’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 Northern Inland CU 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 Northern Inland CU car loan

There are many additional factors Northern Inland CU 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 a Northern Inland CU car loan for?

Examples of common loan purposes Northern Inland CU will lend for:

Additional Northern Inland CU car loan information

Northern Inland CU’s minimum and maximum car loan amounts and terms

How much can you borrow? Between $5,000 and $100,000, over terms between 1 year and 5 years. Use our filter as a repayment calculator to see your monthly repayments and rates.

Repayment schedule

Northern Inland CU allow weekly, fortnightly or monthly repayment.

Extra repayment or early penalties

Northern Inland CU 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

Northern Inland CU’s Car Loans require an asset (typically, the vehicle) as security.