Gateway Credit Union Personal Loan Interest Rates & Fees - Best Find

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Personal loan amount

Term of personal loan

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Personal loan provider

Gateway Credit Union Personal Loans

for $10,000 over 3 years
Gateway Credit Union
10.59%
10.62%
$330.30

Expand info ˅

Funeral Loan

It can be stressful planning and paying for a funeral for your loved ones. That’s why our Funeral Loan can ease financial pressure and is available on-demand, to cover unexpected expenses.

Overview

Minimum loan amount$3,000

Maximum loan amount$10,000

Minimum term (years)1 Year

Maximum term (years)5 Years

Advertised rate10.59%

Comparison rate10.62%

Monthly repayments (approx)$330

Total repayments (approx)$11,890

Total interest repayments (approx)$1,890

Rate typeVariable

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$149

GO TO Gateway 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$0

For debt consolidation?No

Sponsored No

Telephone1300 302 474

Data accurate as of5/04/2017

GO TO Gateway Credit Union

Comparison rate warning

Comparison rate is calculated based on an unsecured personal loan amount of $10,000 over a 3 year term. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

GO TO Gateway Credit Union

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Variable Personal Loan

Apply for a variable rate personal loan and you could eligible to borrow $3,000 and $30,000 for personal reasons. Take the holiday, finish the renovation, or plan a special event.

Overview

Minimum loan amount$3,000

Maximum loan amount$30,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate9.84%

Comparison rate10.87%

Monthly repayments (approx)$326

Total repayments (approx)$11,761

Total interest repayments (approx)$1,761

Rate typeVariable

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$149

GO TO Gateway 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$0

For debt consolidation?No

Sponsored No

Telephone1300 302 474

Data accurate as of5/04/2017

GO TO Gateway Credit Union

Comparison rate warning

Comparison rate is calculated based on an unsecured personal loan amount of $10,000 over a 3 year term. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

GO TO Gateway Credit Union

Hide info ˄

Personal Loan Fixed

Apply for a fixed rate personal loan and you could be eligible to borrow between $3,000 and $30,000 for personal reasons. Take the holiday, finish the renovation, or plan a special event.

Overview

Minimum loan amount$3,000

Maximum loan amount$30,000

Minimum term (years)1 Year

Maximum term (years)5 Years

Advertised rate10.59%

Comparison rate11.63%

Monthly repayments (approx)$330

Total repayments (approx)$11,890

Total interest repayments (approx)$1,890

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$149

GO TO Gateway 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$0

For debt consolidation?Yes

Sponsored No

Telephone1300 302 474

Data accurate as of5/04/2017

GO TO Gateway Credit Union

Comparison rate warning

Comparison rate is calculated based on an unsecured personal loan amount of $10,000 over a 3 year term. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

GO TO Gateway Credit Union

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

What personal loan options does Gateway Credit Union offer?

Gateway Credit Union has 3 personal loan products:

  • Gateway Credit Union Fixed Rate Personal Loan
  • Gateway Credit Union Variable Rate Personal Loan
  • Gateway Credit Union Funeral 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 Gateway Credit Union car loans and Gateway Credit Union home loan.

Do you have a Gateway 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 a Gateway Credit Union Personal Loan?

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

Gateway Credit Union’s personal loan eligibility criteria

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

Gateway 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 Gateway 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 Gateway 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 Gateway Credit Union personal loan

There are many additional factors Gateway 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 a Gateway 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 Gateway Credit Union will lend for:

Additional product information

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

You can borrow between $3,000 and $10,000. Over terms between 1 year and 5 years. Use our filter as a repayment calculator to see your monthly repayments and rates.

Gateway Credit Union’s repayment schedule

Gateway Credit Union allow weekly, fortnightly or monthly repayment.

Extra repayment or early penalties

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

Redraw facility

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