Community First CU Personal Loan Rates & Fees, Review & Compare - Best Find

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Community First Credit Union Personal Loans

Fixed Rate Personal Loan

Community First Credit Union offers fixed rate personal loans between $5,000 and $35,000 for any worthwhile purpose. And with fixed rates you can be sure your repayments won't change.

Overview

Minimum loan amount$5,000

Maximum loan amount$35,000

Minimum term (years)1 Year

Maximum term (years)5 Years

Advertised rate13.49%

Comparison rate13.78%

Monthly repayments (approx)$345

Total repayments (approx)$12,453

Total interest repayments (approx)$2,453

Rate typeFixed

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$0

Application / establishment fee$195

Other Fees & Information

Monthly fee$0

Quaterly 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 13 22 77

Data accurate as of5/04/2017

Comparison rate warning The comparison rate is based on an unsecured loan amount of $30,000 over a loan term of 5 years. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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Variable Rate Personal Loan

Need money for a holiday, a boat, or simply to consolidate some debt? Our Community First Credit Union variable personal loans may be for you.

Overview

Minimum loan amount$5,000

Maximum loan amount$35,000

Minimum term (years)1 Year

Maximum term (years)5 Years

Advertised rate13.49%

Comparison rate13.78%

Monthly repayments (approx)$345

Total repayments (approx)$12,453

Total interest repayments (approx)$2,453

Rate typeVariable

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$0

Application / establishment fee$195

Other Fees & Information

Monthly fee$0

Quaterly 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 13 22 77

Data accurate as of5/04/2017

Comparison rate warning The comparison rate is based on an unsecured loan amount of $30,000 over a loan term of 5 years. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

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Green Loan

The green loan is an unsecured personal loan that can be used to finance the purchase of approved environmentally friendly products such as solar panels and hot water systems.

Overview

Minimum loan amount$1,000

Maximum loan amount$35,000

Minimum term (years)1 Year

Maximum term (years)10 Years

Advertised rate6.12%

Comparison rate6.39%

Monthly repayments (approx)$310

Total repayments (approx)$11,185

Total interest repayments (approx)$1,185

Rate typeVariable

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$0

Application / establishment fee$195

Other Fees & Information

Monthly fee$0

Quaterly 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 13 22 77

Data accurate as of5/04/2017

Comparison rate warning The comparison rate is based on an unsecured loan amount of $30,000 over a loan term of 5 years. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Hide info ˄

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Did you know you can compare 100’s of personal loans? Browse, filter and on our main personal loans comparison page.

Compare and review Community First CU personal loan rates

Looking to make major purchase, go on a holiday or perhaps to consolidate your existing debts into one simple regular repayment? When comparing Community First CU personal loans, there are other important things to consider and understand, other than just Community First CU’s interest rates.

What personal loan options does Community First CU offer?

Community First CU has 2 personal loan products:

  • Community First CU Fixed Rate Personal Loan
  • Community First CU Variable Rate Personal 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 Community First CU car loans, Community First CU home loan and Community First CU credit cards.

Do you have a Community First CU personal 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.

How to apply for a Community First CU Personal Loan?

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

Community First CU’s personal loan eligibility criteria

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

Community First CU’s minimum requirements for a personal loan

  • Minimum age of 18
  • Earn a minimum of $15,000 per annum
  • An Australian citizen, permanent resident or have a valid visa

Information you’ll need to provide

Whether at the Community First CU branch or online, make sure to have the following nearby:

  • Proof of income. A verifiable and steady employment. You may be required to provide copies of your most recent pay slips and employer’s contact information
  • A list of your assets, expenses and liabilities
  • Driver’s licence (if you have one) or other forms of ID

Are you self-employed?

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

  • Financial statements for the last year
  • Your most recent personal/business tax return

Other things to keeping mind when applying with Community First CU

  • 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 Community First CU personal loan

There are many additional factors Community First 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 Community First CU personal loan for?

You can borrow for almost any worthwhile purpose. No, going to the casino and putting it all on black is not a worthwhile purpose.

Examples of common loan purpose Community First CU will lend for:

 

Additional product information

Community First CU’s minimum and maximum personal loan amounts and terms

You can borrow between $5,000 and $35,000. Over terms between 1 year and 5 years. Use our filter as a repayment calculator to see your monthly repayments and rates.

Community First CU’s repayment schedule

Community First CU allow weekly, fortnightly or monthly repayment.

Extra repayment or early penalties

Community First CU allows you to make additional or early repayments. There are fees associated with completely repaying your loan off early.

Redraw facility

Community First CU’s Variable Rate Personal Loan gives you the option of being able to make redraws.