Summerland CU Personal Loan Rates & Fees, Review & Compare - Best Find

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Term of personal loan

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Summerland Credit Union Personal Loans

Eco Loan (Unprotected)

Competitively priced, flexible personal loan for environmentally friendly purposes. Receive a discounted interest rate, discounted loan establishment fee, no monthly loan fees and Summerland will make a donation to a local, environmentally focused organisation.

Overview

Minimum loan amount$3,000

Maximum loan amountNo maximum

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate10.05%

Comparison rate10.24%

Monthly repayments (approx)$327

Total repayments (approx)$11,775

Total interest repayments (approx)$1,775

Rate typeVariable

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$0

Application / establishment fee$130

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 802 222

Data accurate as of11/04/2016

Comparison rate warning The comparison rate is based on a secured loan of $30,000 over 5 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.

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General Purpose Loan Unsecured (Unprotected)

The competitively priced, flexible personal loan with a low loan establishment fee and no early repayment fee - the smart way to get what you want sooner.

Overview

Minimum loan amount$3,000

Maximum loan amountNo maximum

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate13.49%

Comparison rate15.73%

Monthly repayments (approx)$345

Total repayments (approx)$12,434

Total interest repayments (approx)$2,434

Rate typeVariable

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$0

Application / establishment fee$175

Other Fees & Information

Monthly fee$5

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 802 222

Data accurate as of11/04/2016

Comparison rate warning The comparison rate is based on a secured loan of $30,000 over 5 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.

Hide info ˄

Equity Plus Personal Loan (Protected)

A discounted variable rate personal loan available to borrowers who own or are paying off their home; use the equity in your home to help you get what you want now.

Overview

Minimum loan amount$3,000

Maximum loan amountNo maximum

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate6.24%

Comparison rate6.82%

Monthly repayments (approx)$310

Total repayments (approx)$11,188

Total interest repayments (approx)$1,188

Rate typeVariable

Secured or unsecuredSecured

Security required Yes

Encumberance/REVVS check fee$0

Application / establishment fee$175

Other Fees & Information

Monthly fee$5

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 802 222

Data accurate as of11/04/2016

Comparison rate warning The comparison rate is based on a secured loan of $30,000 over 5 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.

Hide info ˄

General Purpose Loan Secured (Unprotected)

The competitively priced, flexible personal loan with a low loan establishment fee and no early repayment fee - the smart way to get what you want sooner.

Overview

Minimum loan amount$3,000

Maximum loan amountNo maximum

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate7.17%

Comparison rate7.76%

Monthly repayments (approx)$315

Total repayments (approx)$11,344

Total interest repayments (approx)$1,344

Rate typeVariable

Secured or unsecuredSecured

Security required Yes

Encumberance/REVVS check fee$0

Application / establishment fee$175

Other Fees & Information

Monthly fee$5

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 802 222

Data accurate as of11/04/2016

Comparison rate warning The comparison rate is based on a secured loan of $30,000 over 5 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.

Hide info ˄

Eco Loan (Protected)

Competitively priced, flexible personal loan for environmentally friendly purposes. Receive a discounted interest rate, discounted loan establishment fee, no monthly loan fees and Summerland will make a donation to a local, environmentally focused organisation.

Overview

Minimum loan amount$3,000

Maximum loan amountNo maximum

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate8.05%

Comparison rate8.23%

Monthly repayments (approx)$317

Total repayments (approx)$11,436

Total interest repayments (approx)$1,436

Rate typeVariable

Secured or unsecuredSecured

Security required Yes

Encumberance/REVVS check fee$0

Application / establishment fee$130

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 802 222

Data accurate as of11/04/2016

Comparison rate warning The comparison rate is based on a secured loan of $30,000 over 5 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.

Hide info ˄

Equity Plus Personal Loan (Unprotected)

A discounted variable rate personal loan available to borrowers who own or are paying off their home; use the equity in your home to help you get what you want now.

Overview

Minimum loan amount$3,000

Maximum loan amountNo maximum

Minimum term (years)1 Year

Maximum term (years)7 Years

Advertised rate6.24%

Comparison rate8.81%

Monthly repayments (approx)$310

Total repayments (approx)$11,188

Total interest repayments (approx)$1,188

Rate typeVariable

Secured or unsecuredUnsecured

Security required No

Encumberance/REVVS check fee$0

Application / establishment fee$175

Other Fees & Information

Monthly fee$5

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 802 222

Data accurate as of11/04/2016

Comparison rate warning The comparison rate is based on a secured loan of $30,000 over 5 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.

Hide info ˄

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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 Summerland CU 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 Summerland CU personal loans, there are other important things to consider and understand, other than just Summerland CU’s interest rates.

What personal loan options does Summerland CU offer?

Summerland CU has 6 personal loan products:

  • Summerland CU Eco Loan (Unprotected)
  • Summerland CU Eco Loan (Protected)
  • Summerland CU General Purpose Loan Unsecured (Unprotected)
  • Summerland CU General Purpose Loan Secured (Unprotected)
  • Summerland CU Equity Plus Personal Loan (Unprotected)
  • Summerland CU Equity Plus Personal Loan (Protected)

 

View the above table for detailed product information and a comparison of the interest rates, fees and features.

You can also review and compare Summerland CU car loans, Summerland CU home loan and Summerland CU credit cards.

Do you have a Summerland CU 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 Summerland CU Personal Loan?

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

Summerland CU’s personal loan eligibility criteria

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

Summerland CU’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 Summerland CU 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 Summerland CU

  • 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 Summerland CU personal loan

There are many additional factors Summerland CU 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 Summerland CU 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 Summerland CU will lend for:

 

Additional product information

Summerland CU’s minimum and maximum personal loan amounts and terms

You can borrow between $3,000 and $80,000. Over terms between 1 year and 7 years. Use our filter as a repayment calculator to see your monthly repayments and rates.

Summerland CU’s repayment schedule

Summerland CU allow weekly, fortnightly or monthly repayment.

Extra repayment or early penalties

Summerland CU allows you to make additional or early repayments. There are fees associated with completely repaying your loan off early.

Redraw facility

Summerland CU’s Variable Rate Personal Loan gives you the option of being able to make redraws.