Community First Credit Union Personal Loans, Rates & Fees - Best Find

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Personal loan amount

Term of personal loan

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Loan type

Personal loan provider

Community First Credit Union Personal Loan

for $10,000 over 3 years
Community First Credit Union
12.99%
13.28%
$343.46

Fixed Rate Personal Loan

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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 rate12.99%

Comparison rate13.28%

Monthly repayments (approx)$343

Total repayments (approx)$12,364

Total interest repayments (approx)$2,364

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$195

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Other Fees & Information

Monthly fee$0

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 13 22 77

Data accurate as of22/12/2017

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Comparison rate warning

Credit eligibility criteria, terms & conditions, fees & charges apply. 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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Community First Credit Union
13.49%
13.78%
$345.92

Variable Rate Personal Loan

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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

Encumberance/REVVS check fee$0

Application / establishment fee$195

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Other Fees & Information

Monthly fee$0

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 13 22 77

Data accurate as of22/12/2017

GO TO Community First Credit Union

Comparison rate warning

Credit eligibility criteria, terms & conditions, fees & charges apply. 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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Community First Credit Union
6.12%
6.39%
$310.71

Green Loan

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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

Encumberance/REVVS check fee$0

Application / establishment fee$195

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Other Fees & Information

Monthly fee$0

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 13 22 77

Data accurate as of22/12/2017

GO TO Community First Credit Union

Comparison rate warning

Credit eligibility criteria, terms & conditions, fees & charges apply. 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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Community First Credit Union
6.12%
6.39%
$310.71

Home Improvement Loan

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Have you been dreaming of renovating or expanding your home, adding a swimming pool or would love to upgrade your bathroom or kitchen? Our unsecured Home Improvement Loan may be able to help turn your renovation dream in to reality.

Overview

Minimum loan amount$1,000

Maximum loan amount$50,000

Minimum term (years)1 Year

Maximum term (years)5 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

Encumberance/REVVS check fee$0

Application / establishment fee$195

GO TO Community First Credit Union

Other Fees & Information

Monthly fee$0

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 13 22 77

Data accurate as of29/01/2018

GO TO Community First Credit Union

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 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.

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RateSetter
8.16%
9.70%
$318.97

Personal Loan - 3 years

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Borrow from $2,001 up to $45,000. Terms from 6 months to 5 years, no early repayment fees.

Overview

Minimum loan amount$2,001

Maximum loan amount$45,000

Minimum term (years)6 months

Maximum term (years)5 Years

Advertised rate8.16%

Comparison rate9.70%

Monthly repayments (approx)$318

Total repayments (approx)$11,482

Total interest repayments (approx)$1,482

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee0.7%

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Other Fees & Information

Monthly fee$5

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleMonthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$30

For debt consolidation?No

Sponsored Yes

Telephone1300 768 710

Data accurate as of1/02/2017

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Comparison rate warning

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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RACV
9.95%
10.48%
$334.30

Unsecured Personal Loans

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From a big backyard patio extension or a brand new swimming pool, to a long-awaited retreat, to a tropical island and everything else in between, RACV secured personal loans can make your dreams happen sooner than you imagine.

Overview

Minimum loan amount$5,000

Maximum loan amount$35,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate9.95%

Comparison rate10.48%

Monthly repayments (approx)$334

Total repayments (approx)$12,034

Total interest repayments (approx)$2,034

Rate typeFixed

Secured or unsecuredSecured

Encumberance/REVVS check fee$0

Application / establishment fee$368

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Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleFortnightly, Monthly

Early repayments allowedYes

Early repayments fee$205

Missed payment fee$10

For debt consolidation?No

Sponsored Yes

Telephone13 15 60

Data accurate as of24/10/2017

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Comparison rate warning

Comparison Rate calculated on a secured loan of $30,000 over a five year term based on monthly repayments. 

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ANZ
10.99%
11.87%
$332.58

ANZ Fixed Rate Personal Loan

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Our Fixed Rate Personal Loan gives you the certainty of knowing you’re protected from interest rate movements. You’ll always know how much your repayments are and how many repayments remain, which will help you budget.

Overview

Minimum loan amount$5,000

Maximum loan amount$50,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate10.99%

Comparison rate11.87%

Monthly repayments (approx)$332

Total repayments (approx)$11,972

Total interest repayments (approx)$1,972

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$150

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Other Fees & Information

Monthly fee$10

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$680 pro-rata

Missed payment fee$20

For debt consolidation?Yes

Sponsored Yes

Telephone1800 801 485

Data accurate as of20/10/2017

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Comparison rate warning

This comparison rate is based on a $30,000 Personal Loan for a five year term. This rate is applicable for unsecured loans only. 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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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.