Southern Cross Credit Union Personal Loan Rates & Fees, Review & Compare - Best Find

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Southern Cross Credit Union Personal Loans

Unsecured Personal Loan

Our Personal Loans offer competitive interest rates. Approvals are fast, delivered within 24 hours by our locally based lending team.

Overview

Minimum loan amount$1,000

Maximum loan amount$30,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate10.49%

Comparison rate10.85%

Monthly repayments (approx)$333

Total repayments (approx)$11,991

Total interest repayments (approx)$1,991

Rate typeVariable

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$0

Application / establishment fee$250

Other Fees & Information

Monthly fee$0

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$0

For debt consolidation?No

Sponsored No

Telephone1300 360 744

Data accurate as of11/04/2016

Comparison rate warning The comparison rate is based on a $30,000 loan repayable over 5 years. 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 compa

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Secured Personal Loan

Our Secured Personal Loans offer you competitive interest rates

Overview

Minimum loan amount$1,000

Maximum loan amount$100,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate6.49%

Comparison rate6.84%

Monthly repayments (approx)$314

Total repayments (approx)$11,307

Total interest repayments (approx)$1,307

Rate typeVariable

Secured or unsecuredSecured

Security required Yes

Encumberance/REVVS check fee$8

Application / establishment fee$250

Other Fees & Information

Monthly fee$0

Quaterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$0

For debt consolidation?No

Sponsored No

Telephone1300 360 744

Data accurate as of11/04/2016

Comparison rate warning The comparison rate is based on a $30,000 loan repayable over 5 years. 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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Did you know you can compare 100’s of personal loans? Browse, filter and on our main personal loans comparison page.

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

What personal loan options does Southern Cross Credit Union offer?

Southern Cross Credit Union has 2 personal loan products:

  • Southern Cross Credit Union Unsecured Personal Loan
  • Southern Cross Credit Union Secured Personal 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 Southern Cross Credit Union car loans and Southern Cross Credit Union home loan.

Do you have a Southern Cross 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 Southern Cross Credit Union Personal Loan?

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

Southern Cross Credit Union’s personal loan eligibility criteria

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

Southern Cross 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 Southern Cross 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 Southern Cross 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 Southern Cross Credit Union personal loan

There are many additional factors Southern Cross 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 Southern Cross 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 Southern Cross Credit Union will lend for:

 

Additional product information

Southern Cross Credit Union’s minimum and maximum personal loan amounts and terms

You can borrow between $1,000 and $30,000. Over terms between 1 year and 7 years. Use our filter as a repayment calculator to see your monthly repayments and rates.

Southern Cross Credit Union’s repayment schedule

Southern Cross Credit Union allow weekly, fortnightly or monthly repayment.

Extra repayment or early penalties

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

Redraw facility

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