Important disclosure

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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Loan Amount

$10,000

Term

3 months

People's Choice Credit Union

Discounted Personal Loan

EST Monthly Repayment
EST Monthly Repayment
7.99%
Advert. Rate (p.a)
Comparison rate
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.
People's Choice Credit Union

Unsecured Personal Loan (Low Rate)

EST Monthly Repayment
EST Monthly Repayment
9.99%
Advert. Rate (p.a)
Comparison rate
An unsecured flexible loan with no ongoing fees, which is available for almost any purpose
People's Choice Credit Union

Unsecured Personal Loan

EST Monthly Repayment
EST Monthly Repayment
13.99%
Advert. Rate (p.a)
Comparison rate
A low rate personal loan with a fixed rate for the life of your loan and the flexibility of no required security
People's Choice Credit Union

Unsecured Personal Loan

EST Monthly Repayment
EST Monthly Repayment
13.99%
Advert. Rate (p.a)
Comparison rate
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.

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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.

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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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