Compare SCU Car Loans & Interest Rates - Best Find

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Type of vehicle loan

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Scu Car Loans

Fixed Rate Car Loan

Then the Fixed Rate Car Loan is all you need to make it happen. With a a super low competitive fixed rate with flexible repayment options and quick approval process, your choice is made easy.

Overview

Minimum loan amount$10,000

Maximum loan amount$50,000

Minimum term1 year

Maximum term7 years

Advertised rate7.95%

Comparison rate8.63%

Monthly repayments (approx)$316

Total repayments (approx)$11,385

Total interest repayments (approx)$1,385

Rate typeFixed

Secured or unsecuredSecured

Security required Yes

Application / establishment fees$100

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 vehiclesNo

SponsoredNo

Telephone13 61 91

Data accurate as of02.04.2017

Comparison warning Comparison rate based on a $30,000 loan over 5 years secured. Warning: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate

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Variable Rate Car Loan

With your finance ready and waiting, you can look the car dealer in the eye and negotiate a better deal.

Overview

Minimum loan amount$10,000

Maximum loan amount$50,000

Minimum term1 year

Maximum term7 years

Advertised rate10.05%

Comparison rate10.74%

Monthly repayments (approx)$326

Total repayments (approx)$11,741

Total interest repayments (approx)$1,741

Rate typeVariable

Secured or unsecuredSecured

Security required Yes

Application / establishment fees$100

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 vehiclesNo

SponsoredNo

Telephone13 61 91

Data accurate as of02.04.2017

Comparison warning Comparison rate based on a $30,000 loan over 5 years secured. Warning: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees and other loan amounts might result in a different comparison rate.

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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 SCU car loans

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

What car loan options are available?

SCU has 2 car loan products:

  • SCU Fixed Rate Car loan
  • SCU Variable Rate 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 SCU personal loansSCU home loan and SCU credit cards.

Do you have an SCU 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 SCU directly.

How to apply for an SCU car loan?

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

SCU’s car loan eligibility criteria

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

SCU’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 $10,000 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 SCU 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 SCU car loan

There are many additional factors SCU 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 SCU car loan for?

Examples of common loan purposes SCU will lend for:

Additional SCU car loan information

SCU’s minimum and maximum car loan amounts and terms

How much can you borrow? Between $10,000 and $50,000, over terms between 1 year and 7 years. Use our filter as a repayment calculator to see your monthly repayments and rates.

Repayment schedule

SCU allow weekly, fortnightly or monthly repayment.

Extra repayment or early penalties

SCU 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

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