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Home > Personal Loans > Summerland Credit Union Personal Loans
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Summerland Credit Union Personal Loans

Summerland Credit personal loans can be the answer to how to activate your plans sooner instead of later. If your finances need a spruce up, our comparison table and calculator below help you compare available options from this lender. Scroll down now to start applying.

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Company
Product
Name
Advertised
Rate
Comparison
Rate
Monthly
Repayment

Equity Plus Personal Loan (Unprotected)

Summerland Credit Union
Equity Plus Personal Loan (Unprotected)
6.22% Advertised Rate (p.a)
6.82% Comparison Rate (p.a.)
$310.71 Monthly Repayment
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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

Personal loan interest rates (base)6.22%

Personal loan comparison rate6.82%

Monthly repayments (approx)$310

Total repayments (approx)$11,185

Total interest repayments (approx)$1,185

Rate typeVariable

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$175

GO TO Summerland Credit Union

Other Fees & Information

Monthly fee$5

Quarterly 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 of14/12/2018

GO TO Summerland Credit Union

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Eco Loan

Summerland Credit Union
Eco Loan
8.05% Advertised Rate (p.a)
8.23% Comparison Rate (p.a.)
$317.67 Monthly Repayment
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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

Personal loan interest rates (base)8.05%

Personal loan comparison rate8.23%

Monthly repayments (approx)$317

Total repayments (approx)$11,436

Total interest repayments (approx)$1,436

Rate typeVariable

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$130

GO TO Summerland Credit Union

Other Fees & Information

Monthly fee$0

Quarterly 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 of14/12/2018

GO TO Summerland Credit Union

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Personal Loan

Summerland Credit Union
Personal Loan
11.49% Advertised Rate (p.a)
13.73% Comparison Rate (p.a.)
$335.65 Monthly Repayment
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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

Personal loan interest rates (base)11.49%

Personal loan comparison rate13.73%

Monthly repayments (approx)$335

Total repayments (approx)$12,083

Total interest repayments (approx)$2,083

Rate typeVariable

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$175

GO TO Summerland Credit Union

Other Fees & Information

Monthly fee$5

Quarterly 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 of14/12/2018

GO TO Summerland Credit Union

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Featured personal loans

NOW Finance Unsecured No Fee Personal Loan

Now Finance
NOW Finance Unsecured No Fee Personal Loan
5.95% Advertised Rate (p.a)
5.95% Comparison Rate (p.a.)
$303.99 Monthly Repayment
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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. ^Charges such as default or enforcement costs may apply if you do not comply with the terms of your loan. 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$35

For debt consolidation?Yes

Sponsored Yes

Telephone1300 275 669

Data accurate as of23/02/2021

GO TO Now Finance

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Low Rate Personal Loan (Fixed, Unsecured) - Excellent Credit

OurMoneyMarket
Low Rate Personal Loan (Fixed, Unsecured) - Excellent Credit
6.75% Advertised Rate (p.a)
7.45% Comparison Rate (p.a.)
$315.32 Monthly Repayment
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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)6.75%

Personal loan comparison rate7.45%

Monthly repayments (approx)$315

Total repayments (approx)$11,351

Total interest repayments (approx)$1,351

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 of23/02/2021

GO TO OurMoneyMarket

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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.

Need help choosing the right loan?

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Australia-wide personal loans completed online or via the telephone (no need for any face-to-face meetings).

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What type of loan are you looking for?

Summerland Credit Union personal loans – Get your wants sooner

As a customer owned financial institution, Summerland Credit Union provides a different flavour of finance from banks. First of all, profits always bounce back to customers (instead of shareholders) to create better fees and services. Secondly, when you apply, you also become part-owner of the business.

Summerland Credit Union offers a range of financial products, including personal loans. Its personal loans are great for home renovations, car purchases, holidays, or any dream you need to bring to life quickly. Read on to unpack more details about Summerland Credit Union personal loans.

Summerland Credit Union personal loans in a nutshell

  • Interest rate. Depends on the type of loan
  • Interest rate type. Variable
  • Comparison rate. 12.24% PA
  • Pros. Pre-approval is available, and Summerland Credit Union also promises fast approval.
  • Cons. You must be a member to apply, and only variable rates are available.
  • Best for: Summerland Credit Union members who need credit that has flexible uses.

Types of loans from Summerland Credit Union

  • Secured personal loan (fully secured by cash). Summerland Credit Union offers cash secured credit that uses your savings account or a similar asset to guarantee the debt. In return, you get a particularly competitive rate of 5.04% PA.
  • General purpose loan. Additionally, this lender offers other flexible security options, such as a motorbike, caravan, or motor vehicle. Unsecured options are also available, and interest rates start from 9.99%.
  • Equity plus loan. This option is only applicable to Summerland home loan customers. It allows you to use the value in your home to get a discounted rate (6.09%PA) without also having to increase your mortgage.
  • Eco personal loan. When you go green, this environmentally friendly option gets you a competitive rate (7.92% PA) and a 25% discount on your establishment fee. The money can be used for solar installations, rainwater tanks, roof insulation, water treatment/recycling or the purchase of hybrid autos.
  • Car loans. You can hit the road sooner in a new or used car with credit that offers $5,000 going up. The option is also suitable for buying a motorbike, caravan, or motorhome. Interest rates start from 6.69% PA, and unsecured and secured options are available. Read our Summerland Credit Union car loans guide for more info.

Features of Summerland Credit Union personal loans

  • Secured and unsecured options are available
  • Interest rates are variable
  • No monthly fees, but you have to pay a one-off establishment fee
  • Additional and lump sum repayments are allowed
  • No early repayment fee so you can repay your debt early without penalty
  • Pre-approval gives you approval before you negotiate your purchase

How to get a personal loan from Summerland Credit Union

Before applying for a Summerland Credit Union personal loan, make sure you are:

  • At least 18 years of age
  • An Aussie citizen or permanent resident who can work in Australia
  • Currently in paid employment

To apply online, click “Go to Site” and then find the application page on Summerland Credit Union’s website. Fill the form with your details before submitting.

If you still need to shop around, check out our other lenders and make comparisons to find the best product for your financial situation.

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