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People’s Choice Credit Union Personal Loans

If you’re looking to borrow from a lender who’s all about people and not profits, consider People’s Choice Credit Union. With a name that speaks for itself, this lender might also turn out to be your best choice. Compare People’s Choice Credit Union personal loans now and calculate repayments to get started.

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With no ongoing fees, pre-approval available and flexible terms, our low rate Discounted Personal Loan can help you with whatever you have your heart set on.

Overview

Minimum loan amount$10,000

Maximum loan amount$100,000

Minimum term (years)1 Year

Maximum term (years)10 Years

Personal loan interest rates (base)7.99%

Personal loan comparison rate8.35%

Monthly repayments (approx)$321

Total repayments (approx)$11,561

Total interest repayments (approx)$1,561

Rate typeFixed

Secured or unsecuredSecured

Encumberance/REVVS check fee$24

Application / establishment fee$250

GO TO People's Choice 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$25

For debt consolidation?No

Sponsored No

Telephone13 11 82

Data accurate as of19/12/2018

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An unsecured flexible loan with no ongoing fees, which is available for almost any purpose

Overview

Minimum loan amount$10,000

Maximum loan amount$100,000

Minimum term (years)1 Year

Maximum term (years)10 Years

Personal loan interest rates (base)9.99%

Personal loan comparison rate11.74%

Monthly repayments (approx)$325

Total repayments (approx)$11,730

Total interest repayments (approx)$1,730

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$100

GO TO People's Choice 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$25

For debt consolidation?Yes

Sponsored No

Telephone13 11 82

Data accurate as of19/12/2018

GO TO People's Choice Credit Union

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A low rate personal loan with a fixed rate for the life of your loan and the flexibility of no required security

Overview

Minimum loan amount$10,000

Maximum loan amount$100,000

Minimum term (years)1 Year

Maximum term (years)10 Years

Personal loan interest rates (base)13.99%

Personal loan comparison rate15.78%

Monthly repayments (approx)$345

Total repayments (approx)$12,425

Total interest repayments (approx)$2,425

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$100

GO TO People's Choice 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$25

For debt consolidation?Yes

Sponsored No

Telephone13 11 82

Data accurate as of19/12/2018

GO TO People's Choice Credit Union

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As a member owned organisation, our first priority is to help you. We continually focus on providing high levels of personalised service and value for money products – such as our Personal Loans– there to help you make those life-changing purchases.

Overview

Minimum loan amount$2,000

Maximum loan amount$100,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Personal loan interest rates (base)13.99%

Personal loan comparison rate15.78%

Monthly repayments (approx)$350

Total repayments (approx)$12,609

Total interest repayments (approx)$2,609

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$250

GO TO People's Choice 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

Telephone13 11 82

Data accurate as of21/09/2020

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Pay ZERO fees on all loans with NOW Finance. That's right - no establishment fee, no monthly fees, no early payout fee on all loans between $8,000-$50,000. What's more, get your guaranteed, tailored interest rate in two minutes without impacting your credit score. The comparison rate can vary from 5.95% to 17.95%

Overview

Minimum loan amount$8,000

Maximum loan amount$50,000

Minimum term (years)1.5 years

Maximum term (years)7 Years

Personal loan interest rates (base)5.95%

Personal loan comparison rate5.95%

Monthly repayments (approx)$303

Total repayments (approx)$10,943

Total interest repayments (approx)$943

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$0

GO TO Now Finance

Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleWeekly, Fortnightly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$0

For debt consolidation?Yes

Sponsored Yes

Telephone1300 275 669

Data accurate as of23/02/2021

GO TO Now Finance

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OurMoneyMarket offer competitive low rates on loans up to $50,000, plus free extra repayments and fee-free redraw facility.

Overview

Minimum loan amount$2,001

Maximum loan amount$50,000

Minimum term (years)1 year

Maximum term (years)7 Years

Personal loan interest rates (base)5.45%

Personal loan comparison rate6.07%

Monthly repayments (approx)$309

Total repayments (approx)$11,134

Total interest repayments (approx)$1,134

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$250

GO TO OurMoneyMarket

Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$25

For debt consolidation?Yes

Sponsored Yes

Telephone1300 990 115

Data accurate as of30/06/2021

GO TO OurMoneyMarket

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Money can be available in your bank account in as little as 60 minutes. Easy online application with low rates, fast approvals, and no early exit fees. Thousands of 5-star customer reviews.

Overview

Minimum loan amount$2,100

Maximum loan amount$50,000

Minimum term (years)1 year

Maximum term (years)5 years

Personal loan interest rates (base)6.25%

Personal loan comparison rate7.64%

Monthly repayments (approx)$320

Total repayments (approx)$11,547

Total interest repayments (approx)$1,547

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$495

GO TO MoneyMe

Other Fees & Information

Monthly fee$10

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleFortnightly/Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$15

For debt consolidation?Yes

Sponsored Yes

Telephone1300 329 037

Data accurate as of03.03.2021

GO TO MoneyMe

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Consolidate your credit cards and other loans into one low monthly repayment with OneDebt. Low rates with approvals typically within 60 minutes. Flexible repayments with no early exit fees. Backed by thousands of 5-star reviews. Must be employed with decent credit history.

Overview

Minimum loan amount$15,001

Maximum loan amount$50,000

Minimum term (years)1 year

Maximum term (years)5 Years

Personal loan interest rates (base)6.25%

Personal loan comparison rate7.64%

Monthly repayments (approx)$320

Total repayments (approx)$11,547

Total interest repayments (approx)$1,547

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$495

GO TO OneDebt

Other Fees & Information

Monthly fee$10

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleWeekly, Fortnightly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$25

For debt consolidation?Yes

Sponsored Yes

Telephone1300 990 115

Data accurate as of29/09/2021

GO TO OneDebt

Hide info -

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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.

What type of loan are you looking for?

People’s Choice Credit Union personal loans – Find options

If you’re browsing personal loan options, you’ll probably come across many banks. But offers from credit unions are also worth a look. Take People’s Choice Credit Union, for instance. It’s one of the largest credit unions in Australia, with over 375,000 members.

People’s Choice launched after a merger between Australian Central and Savings & Loans in 2009. As a viable alternative to the major banks, People’s Choice is member-owned, which means if you’re a customer, you’re also part-owner of the business.

Here’s more info on People’s Choice Credit Union personal loans to help you decide if it’s right for you.

People’s Choice Credit Union personal loans at a glance

  • Loan amounts – From $2,000
  • Loan terms – Up to 10 years
  • Interest rate type – Fixed or variable
  • Pros – Available for a wide range of worthwhile purposes.
  • Cons – You have to pay an application fee.
  • Best for – Borrowers who are looking for several flexible options to choose from.

Types of loans offered by People’s Choice Credit Union

  • Discounted personal loan (car loan). This option is designed for car purchases or refinancing. This requires security, but the car must not be more than 2 years of age. Find out more about People’s Choice Credit Union car loans.
  • Discounted personal loan. When you use your motor vehicle as security, you get a discounted rate. Amounts start from $10,000, and you make repayments over a term of up to 10 years. The rate will be fixed for the first 5 years before switching to a variable rate.
  • Unsecured personal loan (low rate). You get a low fixed rate, and you can borrow $2000+ without using your asset as security. Repayment periods go up to 7 years.
  • Unsecured personal loan. This option comes with a higher fixed rate, no security requirement, a minimum amount of $2,000, and repayment periods of up to 7 years.

A closer look at People’s Choice Credit Union personal loan features

  • When it comes to repayment frequency, you have the flexibility to choose weekly, fortnightly or monthly options.
  • While there are no ongoing fees, you pay an application fee of $250.
  • For secured loans, People’s Choice Credit Union accepts new or used cars, boats, motorcycles, caravans, term deposits, or savings.
  • You can take advantage of the extra repayment feature to settle your debt early and save on interest. Happily, People’s Choice Credit Union offers a redraw facility, so you can withdraw any additional repayments you make any time you need extra cash.
  • People’s Choice Credit Union also offers financial hardship assistance for borrowers who have difficulty meeting their repayments. To ensure you’ll be able to afford your loan, use our People’s Choice Credit Union personal loan calculator to explore your monthly repayment options.

Application requirements

Before you apply for a People’s Choice Credit Union personal loan, ensure that you have the following information in one place:

  • Income details such as payslips, pensions, and rental income.
  • Expense details such as utility bills, debt repayments, and rent.
  • Asset details, for instance, your cash savings and the value of your property or vehicles.
  • Residential and employment details for the last three years.
  • Your Australian driver’s licence number and the expiry date.

How to apply online

To apply for a People’s Choice Credit Union personal loan, click the “Go to Site” button for your preferred option in the table above. You then fill in the application form on the lender’s website and submit it. People’s Choice will be in touch. You can also apply over the phone or by visiting the nearest People’s Choice Credit Union branch.

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