FCCS Credit Union Personal Loan Rates & Fees, Review & Compare - Best Find

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Fccs Credit Union Personal Loans

Home Improvement Loan

This loan is suitable for home improvements including sustainable renovations like solar panels, double glazed windows,external awnings, insulation, rain water tanks and other environmentally friendly improvements to your home.

Overview

Minimum loan amount$5,000

Maximum loan amount$60,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate9.95%

Comparison rate10.27%

Monthly repayments (approx)$328

Total repayments (approx)$11,833

Total interest repayments (approx)$1,833

Rate typeVariable

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$25

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 361 555

Data accurate as of5/04/2017

Comparison rate warning Comparison rates are based on a secured loan amount of $30,000 over a term of 5 years. WARNING: These comparison rates are 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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Unsecured Personal Loan

Perfect for your dream holiday, kids education, a boat or caravan or to consolidate your debts. Whatever the purpose FCCS can offer you a loan to suit your personal needs.

Overview

Minimum loan amount$1,000

Maximum loan amount$30,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate10.95%

Comparison rate11.27%

Monthly repayments (approx)$333

Total repayments (approx)$12,007

Total interest repayments (approx)$2,007

Rate typeVariable

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$25

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 361 555

Data accurate as of5/04/2017

Comparison rate warning Comparison rates are based on a secured loan amount of $30,000 over a term of 5 years. WARNING: These comparison rates are 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.

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 FCCS Credit Union 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 FCCS Credit Union personal loans, there are other important things to consider and understand, other than just FCCS Credit Union’s interest rates.

What personal loan options does FCCS Credit Union offer?

FCCS Credit Union has 2 personal loan products:

  • FCCS Credit Union Home Improvement Loan
  • FCCS Credit Union 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 FCCS Credit Union car loans and FCCS Credit Union home loan.

Do you have an FCCS Credit Union 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 FCCS Credit Union Personal Loan?

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

FCCS Credit Union’s personal loan eligibility criteria

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

FCCS Credit Union’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 FCCS Credit Union 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 FCCS Credit Union

  • 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 FCCS Credit Union personal loan

There are many additional factors FCCS Credit Union 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 FCCS Credit Union 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 FCCS Credit Union will lend for:

 

Additional product information

FCCS Credit Union’s minimum and maximum personal loan amounts and terms

You can borrow between $5,000 and $60,000. Over terms between 1 year and 7 years. Use our filter as a repayment calculator to see your monthly repayments and rates.

FCCS Credit Union’s repayment schedule

FCCS Credit Union allow weekly, fortnightly or monthly repayment.

Extra repayment or early penalties

FCCS Credit Union allows you to make additional or early repayments. There are fees associated with completely repaying your loan off early.

Redraw facility

FCCS Credit Union’s Variable Rate Personal Loan gives you the option of being able to make redraws.