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CUA Personal Loans

Have you got financial needs? CUA says they’ve got personal loans to suit you, whether you want to cover a home renovation, a holiday, debt consolidation, education expenses, or other things.

Our product table and calculator below are your starting point, so compare CUA personal loans and find one that’s made for you today.

Compare CUA personal loans

Unsecured Fixed Personal Loan

Overview

Minimum loan amount$5,000

Maximum loan amount$50,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Personal loan interest rates (base)9.39%

Personal loan comparison rate9.64%

Monthly repayments (approx)$965

Total repayments (approx)$34,741

Total interest repayments (approx)$4,741

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$175

GO TO CUA

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$0

For debt consolidation?Yes

Sponsored No

Telephone133 282

Data accurate as of5/11/2020

GO TO CUA

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With a variable personal loan you'll get a great rate and the flexibility to reach your goals sooner.

Overview

Minimum loan amount$5,000

Maximum loan amount$60,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Personal loan interest rates (base)11.89%

Personal loan comparison rate12.15%

Monthly repayments (approx)$1,000

Total repayments (approx)$36,023

Total interest repayments (approx)$6,023

Rate typeVariable

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$175

GO TO CUA

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$0

For debt consolidation?Yes

Sponsored No

Telephone133 282

Data accurate as of21/09/2020

GO TO CUA

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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)$911

Total repayments (approx)$32,831

Total interest repayments (approx)$2,831

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 rate6.54%

Monthly repayments (approx)$924

Total repayments (approx)$33,272

Total interest repayments (approx)$3,272

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 of30/04/2021

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)$931

Total repayments (approx)$33,533

Total interest repayments (approx)$3,533

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?

CUA personal loans – Pick the best product for your needs

CUA is Credit Union Australia, the country’s largest credit union and a 100% member-owned financial institution. It is well established organisation with a story that dates back as far as 1946. 

If you’re in the market for an alternative lender that promises fairer deals than banks, you might want to put CUA on your list. The credit union provides home loans, business loans, credit cards, and car loans. It also offers personal loans that help you meet all sorts of goals. BestFind takes a look at CUA personal loans so you can find a great fit for your credit needs.

CUA basic loan details

  • Loan amounts – $5,000 up to $50,000 or $100,000

  • Loan terms – From 1 to 7 years

  • Interest rates – Varies with each product

  • Interest rate type – Fixed or variable

  • Pros – More options to choose from since there are secured and unsecured personal loans plus fixed and variable rates.

  • Cons – CUA personal loan rates are only moderately competitive.

Types of personal loans offered by CUA

At the time of writing, there are three personal loan types to choose from. When deciding the best one for you, consider factors like loan purpose and amount.

  • Unsecured fixed personal loan. As the name implies, this option doesn’t require collateral. Additionally, your rate stays the same, so you’ll always know your repayment amount. The interest rate starts from 9.39%, and you can borrow up to $50,000. The product is suitable for debt consolidation, home renovations, and buying vehicles older than 7 years, among other things.

  • Unsecured variable personal loan. Again, there’s no need to provide security when you opt for this product. However, your interest rate may vary, together with your repayments. The upside is you can borrow more (up to $100,000) though this flexibility also comes with a higher rate (11.89%). This product can be used the same way as the fixed rate one, i.e. for debt consolidation and buying vehicles older than 7 years.

  • Secured fixed car loan. This option is designed specifically for new or used cars up to 7 years old. Head over to our CUA car loan guide to find out more.

A closer look at CUA personal loan features

  • Unlimited, free extra repayments. Paying off your debt sooner enables you to save on interest. There’s no charge when you make extra repayments to clear your debt faster.

  • Fee-free redraw facility. You can take back those extra repayments whenever unexpected expenses come up. 

  • Repayment options. Your personal loan repayments can be weekly, fortnightly, or monthly depending on your income cycle and budget. If you want to know more about your monthly repayments, use our CUA personal loan calculator to check the estimated figures.

  • Fees and charges. There’s an establishment fee of $175 and no monthly or early payout fee.

What can you use the money for?

CUA personal loans are suitable for many scenarios. Here are some common ones:

  • Buying a new or used car

  • Home renovations

  • Debt consolidation

  • Medical expenses

  • Holidays

  • Weddings

  • Education

How to qualify for a loan with CUA?

Before applying for a personal loan from CUA, check to see if you meet their eligibility criteria:

  • Be a permanent Australian resident

  • Be 18 years or over

  • Have a regular income

  • Have no bankruptcy, insolvency, or defaults in the last 5 years

  • Provide employment and income details, such as payslips

  • Provide personal details and details about your assets, living expenses, and financial obligations

  • Supply proof of identification such as a driver’s licence or passport

How to apply for a CUA personal loan?

There are four ways to carry out a CUA loan application: Online, via the app or your CUA Personal Banker, over the phone, or in-person at your nearest branch. 

You can start your online application using BestFind’s product table above – simply click the correct “Go to Site” button. 

This takes you to CUA’s website, where you fill in the application form with the required details. If your application is successful, you get a contract that contains your loan’s details and terms and conditions. When you accept the contract, you receive the money in your account. This process typically takes at least one business day.

Important things to remember

  • Avoid too many applications since each time you submit one, you agree to a credit check. Each application, therefore, ends up on your credit file, and this impacts your credit score.

  • The more info you provide during your application, the better CUA can assess your situation and help you borrow responsibly.

  • For joint applications, you’ll need to provide details and documentation for each applicant.

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