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Important disclosure

bcu personal loans

When it comes to versatility, bcu personal loans pass the test. You can use them to fund a home renovation, holiday, or car purchase, plus a host of other life-improving things.
If this sounds like your kind of personal loan, BestFind has a comparison table and calculator you can use to explore and apply for this product. Check out these tools below to see if bcu offers a legitimate way to turn your plans into reality.

Compare bcu personal loans

A bcu Freedom personal loan makes getting your finances in order this year, easy

Overview

Minimum loan amount$4,000

Maximum loan amount$75,000

Minimum term (years)1 Year

Maximum term (years)5 Years

Personal loan interest rates (base)7.83%

Personal loan comparison rate8.74%

Monthly repayments (approx)$319

Total repayments (approx)$11,486

Total interest repayments (approx)$1,486

Rate typeVariable

Secured or unsecuredSecured

Encumberance/REVVS check fee$0

Application / establishment fee$200

GO TO bcu

Other Fees & Information

Monthly fee$8

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$25

For debt consolidation?Yes

Sponsored No

Telephone1300 228 228

Data accurate as of6/11/2018

GO TO bcu

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A bcu Freedom personal loan makes getting your finances in order this year, easy

Overview

Minimum loan amount$4,000

Maximum loan amount$75,000

Minimum term (years)1 Year

Maximum term (years)5 Years

Personal loan interest rates (base)9.55%

Personal loan comparison rate12.65%

Monthly repayments (approx)$328

Total repayments (approx)$11,837

Total interest repayments (approx)$1,837

Rate typeVariable

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$250

GO TO bcu

Other Fees & Information

Monthly fee$8

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$25

For debt consolidation?Yes

Sponsored No

Telephone1300 228 228

Data accurate as of6/11/2018

GO TO bcu

Hide info -

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 $8,000-$50,000. 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. Comparison rate can vary from 5.95% to 17.95%

Overview

Minimum loan amount$8,000

Maximum loan amount$50,000

Minimum term (years)1.5 years

Maximum term (years)7 Years

Personal loan interest rates (base)5.95%

Personal loan comparison rate5.95%

Monthly repayments (approx)$303

Total repayments (approx)$10,943

Total interest repayments (approx)$943

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$0

GO TO Now Finance

Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleWeekly, Fortnightly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$35

For debt consolidation?Yes

Sponsored Yes

Telephone1300 275 669

Data accurate as of23/02/2021

GO TO Now Finance

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OurMoneyMarket offer competitive low rates on loans up to $50,000, plus free extra repayments and fee-free redraw facility.

Overview

Minimum loan amount$2,001

Maximum loan amount$50,000

Minimum term (years)1 year

Maximum term (years)7 Years

Personal loan interest rates (base)6.29%

Personal loan comparison rate6.64%

Monthly repayments (approx)$313

Total repayments (approx)$11,274

Total interest repayments (approx)$1,274

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$250

GO TO OurMoneyMarket

Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$25

For debt consolidation?Yes

Sponsored Yes

Telephone1300 990 115

Data accurate as of12/04/2021

GO TO OurMoneyMarket

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Fast and easy online application. Money can be in your account same-day. Flexible repayments with no early exit fees. Comparison interest rates from 7.64% to 13.32% p.a.

Overview

Minimum loan amount$2,100

Maximum loan amount$50,000

Minimum term (years)1 year

Maximum term (years)5 years

Personal loan interest rates (base)6.25%

Personal loan comparison rate7.64%

Monthly repayments (approx)$320

Total repayments (approx)$11,547

Total interest repayments (approx)$1,547

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$495

GO TO MoneyMe

Other Fees & Information

Monthly fee$10

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleFortnightly/Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$15

For debt consolidation?Yes

Sponsored Yes

Telephone1300 329 037

Data accurate as of03.03.2021

GO TO MoneyMe

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BestFind.com.au provides factual information in relation to financial products. While BestFind.com.au attempts to make a wide range of products and providers available, it may not cover all the options available to you. Moreover, we cannot be responsible for changes made to this information by product providers and/or inaccurate information obtained from a product provider. All product information comes from the product provider or publicly available information and to the best of our knowledge is correct at time of publishing. The information published on BestFind.com.au is general in nature only and does not consider your personal objectives, financial situation or particular needs and is not recommending any particular product to you. If you decide to apply for a product you will be dealing directly with that provider and not with BestFind.com.au. BestFind.com.au recommends that you read the relevant PDS or offer documentation before taking up any financial product offer. For more information please see BestFind.com.au's Terms of Use and Services Guide.

Minimum and maximum loan periods vary between 6 months and 10 years. Comparison interest rates vary between 6.55% and 20.89% p.a. Total interest repayments vary between $1,387 and $4,165 over the life of the loan. *Comparison rate is based on an unsecured loan of $10,000 for a term of 3 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.

Need help choosing the right loan?

Get a multi award-winning personal loans broker, to help select the right loan for you.

Australia-wide personal loans completed online or via the telephone (no need for any face-to-face meetings).

Monday to Friday, 9am – 6pm AESTs

An account manager will contact you within 3 hours of your enquiry.

Call 1300 884 355
What type of loan are you looking for?

Bcu personal loans – Bring your dreams and plans to life

Bcu, a division of Police & Nurses Limited, is a regional community-owned bank that’s worth a look if you want to skip the big banks. This alternative lender doesn’t have external shareholders, so all profits are reinvested back into the financial institution to create a continuous cycle of improvement. This translates to better and better products and services to members.

Our bcu personal loan guide looks at what you need to know before deciding if this lender suits your needs and individual circumstances.

Types of loans offered by bcu

bcu offers the following types of personal loans:

  • New car loan. This is a secured car loan available for vehicles and motorbikes up to 5 years old. You can read more about this product in our bcu car loan guide.
  • Freedom loan unsecured. This option requires no security, but it comes with a higher rate than the secured option. The funds are general purpose and therefore suitable for things like debt consolidation and wedding expenses.

Bcu personal loan features

  • You have the flexibility to make additional repayments.
  • There are no additional charges for paying your debt out early.
  • You can take advantage of a redraw facility when you need your extra repayments back.
  • Minimum and maximum loan amounts are $4,000 and $75,000, respectively.
  • Loan terms go up to 5 years.
  • Only variable interest rates are available.

Rates, fees, and charges

Both products come with a $200 establishment fee. On the upside, bcu doesn’t charge a monthly fee or redraw fee. Interest rates for the secured option are lower than for the unsecured one. If you use your vehicle or asset as security, your rate will start from 5.65% vs the 9.30% available for unsecured loans.

Pros

  • Competitive rates. bcu offers low rates for their secured loan compared with other lenders. But this may not apply to their unsecured loan.
  • Borrow up to $75,000. Typically, unsecured loans have a maximum borrowing limit of $50,000. But with a bcu personal loan, you can get up to $75,000, which allows you to do more.
  • Fewer fees. Not having to pay ongoing monthly fees or redraw fees will trim some dollars off your total costs. The longer your term, the more it adds up.
  • Joint application. If you need to strengthen your application, bcu allows you to add more than one applicant during the online application process.

Cons

  • Limited terms. Most Aussie lenders offer repayment periods of up to 7 years. But with bcu, you only get up to 5 years, so you have fewer repayment options. Be sure to use our bcu loan calculator to find a comfortable repayment amount that works for your budget.
  • Amounts start from $4,000. bcu only allows you to borrow a minimum of $4,000, which can be tricky when all your need is a small personal loan for short-term needs.
  • No fixed rate options. bcu personal loans only come with a variable rate, so this product won’t suit you if you need the security of fixed repayments.

Eligibility

Bcu says you must meet the following criteria for your application to be accepted:

  • Be at least 18 years of age
  • Be a permanent resident or citizen of Australia
  • Have a regular income
  • Have no outstanding defaults or judgements
  • You should not be an undischarged bankrupt

Apply for a bcu personal loan online

The online application for a bcu loan consists of the following steps:

  • Choose a product and click “Go to Site” in the table above.
  • Select the “apply online” option on bcu’s website
  • Fill in the form and then submit. You’ll have to provide details about your loan, such as the amount, purpose, and whether it’s secured. You also have to provide your personal and financial information.
  • Once you receive an offer and accept it, the funds will be credited to your account.

Please note that while bcu members can fast-track their application online, if you’re a new member or have a question, you can place an enquiry first. A bcu lending specialist will then help you work through your personal loan options.

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