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

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Personal loan amount

Term of personal loan

Features

Loan type

Personal loan provider

Gateway Credit Union Personal Loans

for $10,000 over 3 years
Gateway Credit Union
7.04%
7.25%
$313.56

Car Loan - New Vehicle (New)

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Overview

Minimum loan amount$3,000

Maximum loan amount$50,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Personal loan interest rates (base)7.04%

Personal loan comparison rate7.25%

Monthly repayments (approx)$313

Total repayments (approx)$11,288

Total interest repayments (approx)$1,288

Rate typeVariable

Secured or unsecuredSecured

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.

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Gateway Credit Union
7.94%
8.15%
$317.75

Car Loan - Used Vehicle < 5yrs old (New)

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Overview

Minimum loan amount$3,000

Maximum loan amount$50,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Personal loan interest rates (base)7.94%

Personal loan comparison rate8.15%

Monthly repayments (approx)$317

Total repayments (approx)$11,439

Total interest repayments (approx)$1,439

Rate typeVariable

Secured or unsecuredSecured

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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Gateway Credit Union
9.74%
9.95%
$326.24

Car Loan - Used Vehicle > 5yrs old (New)

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Overview

Minimum loan amount$3,000

Maximum loan amount$50,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Personal loan interest rates (base)9.74%

Personal loan comparison rate9.95%

Monthly repayments (approx)$326

Total repayments (approx)$11,744

Total interest repayments (approx)$1,744

Rate typeVariable

Secured or unsecuredSecured

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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Gateway Credit Union
9.34%
10.37%
$324.34

Prepaid Funeral Loan

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Overview

Minimum loan amount$3,000

Maximum loan amount$15,000

Minimum term (years)1 Year

Maximum term (years)5 Years

Personal loan interest rates (base)9.34%

Personal loan comparison rate10.37%

Monthly repayments (approx)$324

Total repayments (approx)$11,676

Total interest repayments (approx)$1,676

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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Gateway Credit Union
9.59%
10.62%
$325.53

Funeral Loan

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Overview

Minimum loan amount$3,000

Maximum loan amount$10,000

Minimum term (years)1 Year

Maximum term (years)5 Years

Personal loan interest rates (base)9.59%

Personal loan comparison rate10.62%

Monthly repayments (approx)$325

Total repayments (approx)$11,719

Total interest repayments (approx)$1,719

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 ˄

Gateway Credit Union
9.84%
10.86%
$326.72

Personal Loan - Standard Rate (Variable)

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Overview

Minimum loan amount$3,000

Maximum loan amount$30,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Personal loan interest rates (base)9.84%

Personal loan comparison rate10.86%

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 ˄

Gateway Credit Union
9.84%
10.87%
$326.72

Personal Loan - Less than 50% debt consolidation (Variable)

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Overview

Minimum loan amount$3,000

Maximum loan amount$30,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Personal loan interest rates (base)9.84%

Personal loan 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?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 ˄

Gateway Credit Union
10.59%
11.63%
$330.30

Personal Loan - Less than 50% debt consolidation (Fixed)

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Overview

Minimum loan amount$3,000

Maximum loan amount$30,000

Minimum term (years)1 Year

Maximum term (years)5 Years

Personal loan interest rates (base)10.59%

Personal loan 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?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 ˄

Gateway Credit Union
10.59%
11.63%
$330.30

Personal Loan - Standard Rate (Fixed)

Expand info ˅

Overview

Minimum loan amount$3,000

Maximum loan amount$30,000

Minimum term (years)1 Year

Maximum term (years)5 Years

Personal loan interest rates (base)10.59%

Personal loan 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?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 ˄

Gateway Credit Union
11.84%
12.89%
$336.32

Personal Loan - More than 50% debt consolidation (Variable)

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Overview

Minimum loan amount$3,000

Maximum loan amount$30,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Personal loan interest rates (base)11.84%

Personal loan comparison rate12.89%

Monthly repayments (approx)$336

Total repayments (approx)$12,107

Total interest repayments (approx)$2,107

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 ˄

Gateway Credit Union
12.59%
13.64%
$339.96

Personal Loan - More than 50% debt consolidation (Fixed)

Expand info ˅

Overview

Minimum loan amount$3,000

Maximum loan amount$30,000

Minimum term (years)1 Year

Maximum term (years)5 Years

Personal loan interest rates (base)12.59%

Personal loan comparison rate13.64%

Monthly repayments (approx)$339

Total repayments (approx)$12,238

Total interest repayments (approx)$2,238

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?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 ˄

Now Finance
7.95%
9.42%
$325.91

Unsecured Personal Loan- Excellent

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We provide a range of flexible personal loans designed to suit your needs.

Overview

Minimum loan amount$5,000

Maximum loan amount$40,000

Minimum term (years)18 months

Maximum term (years)7 Years

Personal loan interest rates (base)7.95%

Personal loan comparison rate9.42%

Monthly repayments (approx)$325

Total repayments (approx)$11,732

Total interest repayments (approx)$1,732

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee4%, maximum $395

GO TO Now Finance

Other Fees & Information

Monthly fee$13

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleWeekly, Fortnightly

Early repayments allowedYes

Early repayments fee$175 (first 6 months), $120 (6-12 months), $0 after 12 months

Missed payment fee$35

For debt consolidation?Yes

Sponsored Yes

Telephone1300 275 669

Data accurate as of26/02/2018

GO TO Now Finance

Comparison rate warning

Comparison rates for all the above products are based on a loan of $30,000 over 5 years. WARNING: The 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.

GO TO Now Finance

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SocietyOne
7.50%
9.51%
$323.50

Personal Loan - 2 to 3 years - Tier 1

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We understand no two borrowers are the same. That's why our rates are personalised to your credit history. The better your credit history, the lower your interest rate.

Overview

Minimum loan amount$5,000

Maximum loan amount$50,000

Minimum term (years)2 Years

Maximum term (years)5 Years

Personal loan interest rates (base)7.50%

Personal loan comparison rate9.51%

Monthly repayments (approx)$323

Total repayments (approx)$11,646

Total interest repayments (approx)$1,646

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee3%-4%

GO TO SocietyOne

Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$35

For debt consolidation?Yes

Sponsored Yes

Telephone-

Data accurate as of18/01/2018

GO TO SocietyOne

Comparison rate warning

*Comparison based on a SocietyOne Tier 1 unsecured personal loan of $10,000 over 3 years. WARNING: The comparison rates are true only for the examples provided and may not include all fees and charges. Different loan grades, terms, fees or loan amounts might result in a different comparison rate.

GO TO SocietyOne

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SocietyOne
8.35%
9.61%
$352.78

Personal Loan - 5 years - Tier 1

Expand info ˅

We understand no two borrowers are the same. That's why our rates are personalised to your credit history. The better your credit history, the lower your interest rate.

Overview

Minimum loan amount$5,000

Maximum loan amount$50,000

Minimum term (years)2 Years

Maximum term (years)5 Years

Personal loan interest rates (base)8.35%

Personal loan comparison rate9.61%

Monthly repayments (approx)$352

Total repayments (approx)$12,700

Total interest repayments (approx)$2,700

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee3%-4%

GO TO SocietyOne

Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$35

For debt consolidation?Yes

Sponsored Yes

Telephone-

Data accurate as of18/01/2018

GO TO SocietyOne

Comparison rate warning

*Comparison based on a SocietyOne Tier 1 unsecured personal loan of $30,000 over 5 years. WARNING: The comparison rates are true only for the examples provided and may not include all fees and charges. Different loan grades, terms, fees or loan amounts might result in a different comparison rate.

GO TO SocietyOne

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.