ECU Australia Personal Loan Rates & Fees, Review & Compare - Best Find

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Personal loan amount

Term of personal loan

Features

Loan purpose

Personal loan provider

Ecu Australia Personal Loans

Covered Unsecured Personal Loan

Our Epic Personal Loan combines the benefits of a low rate, with something we hope you’ll never need, Loan Protection Insurance.

Overview

Minimum loan amount$1,000

Maximum loan amount$50,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate9.95%

Comparison rate10.17%

Monthly repayments (approx)$327

Total repayments (approx)$11,781

Total interest repayments (approx)$1,781

Rate typeVariable

Secured or unsecuredSecured

Security required Yes

Encumberance/REVVS check fee$0

Application / establishment fee$150

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$0

For debt consolidation?No

Sponsored No

Telephone1800 383 791

Data accurate as of5/04/2017

Comparison rate warning Comparison rate based on $30,000 over 5 years. These rates are for secured loans. Warning: Comparison rates apply only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or cost savings such as fee discounts and waivers, are not included in the comparison rate but may influence the cost of the loan. Rates are subject to change, terms and conditions apply and are available on application. Fees and charges apply.

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Yes Personal Loan

A multi-purpose secured personal loan which gives you the choice to use the funds for almost anything, including consolidating your debt, your next holiday or a new car!

Overview

Minimum loan amount$1,000

Maximum loan amount$50,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate9.95%

Comparison rate10.31%

Monthly repayments (approx)$327

Total repayments (approx)$11,781

Total interest repayments (approx)$1,781

Rate typeVariable

Secured or unsecuredSecured

Security required Yes

Encumberance/REVVS check fee$0

Application / establishment fee$150

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$0

For debt consolidation?No

Sponsored No

Telephone1800 383 791

Data accurate as of5/04/2017

Comparison rate warning Comparison rate based on $30,000 over 5 years. These rates are for secured loans. Warning: Comparison rates apply only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or cost savings such as fee discounts and waivers, are not included in the comparison rate but may influence the cost of the loan. Rates are subject to change, terms and conditions apply and are available on application. Fees and charges apply.

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Unsecured Personal Loan

Whether its home improvements, a well-deserved overseas holiday or debt consolidation. We can make it happen sooner with our unsecured personal loan.

Overview

Minimum loan amount$1,000

Maximum loan amount$50,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate11.95%

Comparison rate12.17%

Monthly repayments (approx)$336

Total repayments (approx)$12,127

Total interest repayments (approx)$2,127

Rate typeVariable

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$0

Application / establishment fee$150

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

Telephone1800 383 791

Data accurate as of5/04/2017

Comparison rate warning Comparison rate based on $30,000 over 5 years. These rates are for secured loans. Warning: Comparison rates apply only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or cost savings such as fee discounts and waivers, are not included in the comparison rate but may influence the cost of the loan. Rates are subject to change, terms and conditions apply and are available on application. Fees and charges apply.

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Covered Personal Loan

Our Epic Personal Loan combines the benefits of a low rate, with something we hope you’ll never need, Loan Protection Insurance

Overview

Minimum loan amount$1,000

Maximum loan amount$50,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate7.95%

Comparison rate8.31%

Monthly repayments (approx)$317

Total repayments (approx)$11,441

Total interest repayments (approx)$1,441

Rate typeVariable

Secured or unsecuredSecured

Security required Yes

Encumberance/REVVS check fee$0

Application / establishment fee$150

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$0

For debt consolidation?No

Sponsored No

Telephone1800 383 791

Data accurate as of5/04/2017

Comparison rate warning Comparison rate based on $30,000 over 5 years. These rates are for secured loans. Warning: Comparison rates apply only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or cost savings such as fee discounts and waivers, are not included in the comparison rate but may influence the cost of the loan. Rates are subject to change, terms and conditions apply and are available on application. Fees and charges apply. Comparison rate does not include CCI (Consumer credit insurance)

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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 ECU Australia 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 ECU Australia personal loans, there are other important things to consider and understand, other than just ECU Australia’s interest rates.

What personal loan options does ECU Australia offer?

ECU Australia has 4 personal loan products:

  • ECU Australia Covered Unsecured Personal Loan
  • ECU Australia Covered Personal Loan
  • ECU Australia Yes Personal Loan
  • ECU Australia Unsecured 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 ECU Australia car loans, ECU Australia home loan and ECU Australia credit cards.

Do you have an ECU Australia 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 an ECU Australia Personal Loan?

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

ECU Australia’s personal loan eligibility criteria

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

ECU Australia’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 ECU Australia 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 ECU Australia

  • 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 ECU Australia personal loan

There are many additional factors ECU Australia 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 ECU Australia 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 ECU Australia will lend for:

 

Additional product information

ECU Australia’s minimum and maximum personal loan amounts and terms

You can borrow between $1,000 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.

ECU Australia’s repayment schedule

ECU Australia allow weekly, fortnightly or monthly repayment.

Extra repayment or early penalties

ECU Australia allows you to make additional or early repayments. There are fees associated with completely repaying your loan off early.

Redraw facility

ECU Australia’s Variable Rate Personal Loan gives you the option of being able to make redraws.