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Southern Cross Credit Union Personal Loans

Southern Cross Credit Union personal loans can work a treat for home renovations, holidays, and buying a car. If you’re looking for a dose of extra cash to get your plans underway, compare options and sign up below.

Our Southern Cross Credit Union personal loan calculator is also on standby to estimate your repayments based on what you choose.

Loan Amount



3 months

Southern Cross Credit Union

Green Personal Loan

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SCCU's Green Personal Loans are available for buying a light vehicle that has a maximum combined tailpipe CO2 emissions score of 180g/km according to the Australian Government Green Vehicle Guide.
Southern Cross Credit Union

Secured Personal Loan

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Suitabke for accessing finance for Cars, Home Renovations, Weddings, Boats and more. Secured Loans from $5,000 - $150,000. Fast approvals, no monthly fees, no early payout fees and schedule payments to suit your pay cycle - weekly, fortnightly or monthly.
Southern Cross Credit Union

Unsecured Personal Loan

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SCCU's Personal Loans offer competitive interest rates. Approvals are fast, delivered within 24 hours by our locally based lending team. 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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Southern Cross Credit Union personal loans – Compare options

Interested in borrowing from Southern Cross Credit Union (SSCU)? Let’s get to know a bit about this lender first. Southern Cross Credit Union first opened its doors to the Northern Rivers and South East Queensland communities in 1966.

Currently, the financial institution partners with over 15,000 customers. It offers home loans, investment loans, and personal loans, plus more. However, in this article, Southern Cross Credit Union personal loans are the star of the show. BestFind breaks down the details, so you know how it works and if it’s ideal for you.

Southern Cross Credit Union personal loans: Key details

  • Loan amounts – $5K-$150K
  • Loan terms – 3-7 years
  • Interest rate – Fixed rate which varies for each product
  • Pros – Unlimited additional repayments available, and there are no monthly fees. Additionally, SSCU has borrowing limits of up to $150K for their secured loans. This is more than what other lenders offer.
  • Cons – You have to pay an establishment fee, and there are limited options available. SSCU personal loans are also not suitable for borrowers looking for small personal loans, since the minimum amount you can apply for is $5K.
  • Uses – Debt consolidation, holiday, wedding, car, renovation, plus more.

Types of loans offered by Southern Cross Credit Union

  • Secured personal loan: You’ll need an existing asset such as a car or property to guarantee the loan. You’ll then get to borrow between $5000 and $150,000.
  • Unsecured personal loan: You don’t need an existing asset to apply for this option, so the process may be simpler. However, it comes with a higher rate than SSCU’s secured credit options since there’s no underlying asset to guarantee the debt. Additionally, your borrowing power is limited to between $5,000 and $30,000.
  • New vehicle loan: This option allows you to finance a brand new car for personal use and offers loan amounts of up to $150,000. Find out more about Southern Cross Credit Union car loans when you read our guide.

A closer look at SSCU personal loan features

  • There are no ongoing monthly fees or online redraw fees. Therefore, and depending on the repayment period, you can save more in the long run.
  • You can make unlimited free extra repayments, which is a plus, considering that some lenders charge an extra repayment fee.
  • Likewise, you can pay off your debt early without penalty.
  • Your extra repayments are available via a redraw facility should you need the money back.
  • SSCU also offers flexible repayment options – you can make repayments monthly, fortnightly, or weekly.

Fees and charges

Southern Cross Credit Union personal loan fees include the following:

  • Establishment fee – $250
  • Loan variation – $150
  • Redraw – $0 online or $25 In Branch
  • Direct Debit dishonour fee – $15
  • Security variation – $150 (only if the loan is secured)

How to apply for a Southern Cross Credit Union personal loan

SSCU’s online application only takes 10 minutes. To get started, scroll up to our comparison tables and click the “Go to Site” button for your product. When you reach SCCU’s website, follow these steps to get through the process:

  • Provide your loan details such as the product, amount, and repayment period you want.
  • Next, provide some personal information such as name, and contact details. If it’s a joint application, you can also add your co-borrower’s details.
  • You’ll then fill in details about your employment and income, including secondary sources such as rentals and shares.
  • Lastly, you’ll answer questions about your expenditures. This includes monthly living expenses and other debts you may have.

However, before you apply, make sure you meet SSCU’s basic eligibility criteria:

  • Be at least 18 years
  • Be a citizen or permanent resident of Australia
  • Have confirmed employment in Australia

Once you submit the form, a loan specialist will review it before they get in touch. You may need to upload the required documentation and provide additional info to complete the process.

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