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Macquarie Credit Union Personal Loans

Want to get a personal loan from a financial institution where you’re part-owner? With a Macquarie Credit Union personal loan, you get that experience plus benefits such as competitive rates and fairer fees. Check out your options below and get your repayment estimate to get the ball rolling.

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3 months

Macquarie Credit Union

Student/Apprentice Loan

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If you are working casually and need money for equipment and study materials, our NEW student/apprentice loan could be the answer.
Macquarie Credit Union

10|5|50 Personal Loan

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Whether it’s to consolidate your expenses, to buy that ‘certain something’, or take that holiday you’ve been dreaming of – our 10/5/50 Personal Loan can help. $10,000 personal loan for any purpose, repay over a period of 5 years and a minimum repayments of $50 a week
Macquarie Credit Union

Unsecured Personal Loan

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With competitive interest rates and little or no fees, those dreams of yours are just at your fingertips. provides factual information in relation to financial products. While 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 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 recommends that you read the relevant PDS or offer documentation before taking up any financial product offer. For more information please see'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.

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Macquarie Credit Union personal loans – Realise your dream

The history of Macquarie Credit Union Limited began in 1964 when it was known as Macquarie County Council. Since then, a few names and mergers have taken place. Because it’s now part of the customer owned banking community, Macquarie Credit Union has a members first policy.

That means there are no shareholders, so customers get the better end of the deal because profits go into improving financial products and services.

Let’s see how a Macquarie Credit Union personal loan holds up to the light, given this information.

Key features of Macquarie Credit Union personal loans

  • Loan amounts. Ranges from $1,000 to $50,000
  • Loan terms. Up to 7 years
  • Pros. You get access to a wide range of options, a quick decision, and you can borrow as little as $1,000 for smaller expenses.
  • Cons. There’s an upfront fee as well as ongoing fees to cover.
  • Uses. Suitable for any worthwhile purpose such as debt consolidation, study materials, home renovations, or a holiday.

Types of loans offered by Macquarie Credit Union

Macquarie offers the following products for all your extra cash needs:

  • Unsecured loans. Macquarie Credit Union unsecured personal loans are available for any purpose worth $1,000 and not more than $15,000 at a rate of 14.20%. Another version of this loan offers above $15,000 and up to $50,000 at a rate of 13.95%.
  • 10/5/50 personal loan. This product’s name is derived from the fact that you can get up to $10,000 and repay it over 5 years via minimum repayments of $50 a week. The variable rate is 10.99%.
  • Student/Apprentice loan. Available for casual workers or students needing study equipment. The product offers at least $2,000 and you don’t have to pay an establishment fee or monthly fees.
  • Debt consolidation loan. This option allows you to bring your multiple debts into one place at a rate of 15.20%.
  • Overdraft. This facility gives you a continuing line of credit and is especially handy for unexpected expenses. You can borrow at least $1,000 and $10,000. A rate of 13.99% is charged only on the amount you borrow.
  • Car loans. Macquarie also offers several car loans. You can find more details in our guide about Macquarie Credit Union car loans.

A closer look at Macquarie personal loans

  • Fees and charges include an establishment fee of $200 and a $5 monthly fee.
  • There are flexible repayment options for monthly, fortnight, and weekly schedules. You can use our Macquarie Credit Union personal loan calculator to get an idea of what’s affordable to you.
  • Other benefits include a free redraw facility, time-out option, variable and lump sum repayments, and early repayments without penalty.

Eligibility and membership requirements

Applications for Macquarie personal loans are open to members only. Membership applications, in turn, are open to:

  • Residents in the Local Government Areas of Dubbo, Narromine, Gilgandra, Warren, Coonamble, Cobar, or Nyngan.
  • Immediate family of Macquarie Credit Union.
  • Employees and families of employees of Essential Energy, Australia Post or Telstra (in NSW or ACT), Auscott Ltd, or any local government council/state government department/federal government department or authority

You also need to meet the following requirements:

  • Be at least 18 years of age
  • Be a permanent resident of Australia
  • Earn a regular income or be employed
  • Must not have declared bankruptcy, insolvency, or have previous defaults on credit accounts in the last five years.
  • Provide your income, employment, and living expense details
  • Provide details about your assets and debts as well as your Australian driver’s licence and passport details if you have them.

How to apply

You can apply for both membership and a loan online. This is often the fastest way to get the cash you need, and you can do so by clicking the “Go to Site” button in BestFind’s table above.

Once you complete and submit your application, you’ll get a reference number that enables you to follow up on your application.

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