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The Mac Personal Loans

The Mac is a small financial institution that can make big dreams affordable. Compare the Mac personal loans below and use our calculator to see if borrowing from this lender is “worth living your dreams sooner.”

Calculate your repayments

Our Secured Personal Loans can help you live your dreams sooner than you thought possible. Borrow with a team you trust and take advantage of our flexible and easy personal loans

Overview

Minimum loan amount$1,000

Maximum loan amount$100,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Personal loan interest rates (base)12.49%

Personal loan comparison rate12.76%

Monthly repayments (approx)$339

Total repayments (approx)$12,222

Total interest repayments (approx)$2,222

Rate typeVariable

Secured or unsecuredSecured

Encumberance/REVVS check fee$15

Application / establishment fee$150

GO TO The Mac

Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$0

For debt consolidation?No

Sponsored No

Telephone1300 622 278

Data accurate as of14/12/2018

GO TO The Mac

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Whether you're dreaming of far away destinations or of revolutionising the world with your next big invention, our Unsecured Personal Loans are a flexible and simple solution from an ethical and trusted team.

Overview

Minimum loan amount$1,000

Maximum loan amount$30,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Personal loan interest rates (base)15.49%

Personal loan comparison rate15.72%

Monthly repayments (approx)$354

Total repayments (approx)$12,754

Total interest repayments (approx)$2,754

Rate typeVariable

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$150

GO TO The Mac

Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$0

For debt consolidation?No

Sponsored No

Telephone1301 622 278

Data accurate as of14/12/2018

GO TO The Mac

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Whether you're dreaming of far away destinations or of revolutionising the world with your next big invention, our Unsecured Personal Loans are a flexible and simple solution from an ethical and trusted team.

Overview

Minimum loan amount$1,000

Maximum loan amount$100,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Personal loan interest rates (base)15.99%

Personal loan comparison rate16.29%

Monthly repayments (approx)$356

Total repayments (approx)$12,844

Total interest repayments (approx)$2,844

Rate typeVariable

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$150

GO TO The Mac

Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$0

For debt consolidation?No

Sponsored No

Telephone1300 622 278

Data accurate as of21/09/2020

GO TO The Mac

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Life is too short to stress over multiple debts, rising loan repayments and different due dates. Consolidate your debts into a single loan repayment with a team you can trust.

Overview

Minimum loan amount$1,000

Maximum loan amount$30,000

Minimum term (years)1 Year

Maximum term (years)7 Years

Personal loan interest rates (base)16.99%

Personal loan comparison rate17.13%

Monthly repayments (approx)$361

Total repayments (approx)$13,025

Total interest repayments (approx)$3,025

Rate typeVariable

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$150

GO TO The Mac

Other Fees & Information

Monthly fee$0

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityYes

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$0

For debt consolidation?No

Sponsored No

Telephone1298 622 278

Data accurate as of14/12/2018

GO TO The Mac

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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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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)5.45%

Personal loan comparison rate6.07%

Monthly repayments (approx)$309

Total repayments (approx)$11,134

Total interest repayments (approx)$1,134

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 of30/06/2021

GO TO OurMoneyMarket

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Fast and easy online application. Money can be in your account same-day. Flexible repayments with no early exit fees. Comparison interest rates from 7.64% to 13.32% p.a.

Overview

Minimum loan amount$2,100

Maximum loan amount$50,000

Minimum term (years)1 year

Maximum term (years)5 years

Personal loan interest rates (base)6.25%

Personal loan comparison rate7.64%

Monthly repayments (approx)$320

Total repayments (approx)$11,547

Total interest repayments (approx)$1,547

Rate typeFixed

Secured or unsecuredUnsecured

Encumberance/REVVS check fee$0

Application / establishment fee$495

GO TO MoneyMe

Other Fees & Information

Monthly fee$10

Quarterly fee$0

Annual fee$0

Other fees$0

Redraw facilityNo

Repayment scheduleFortnightly/Monthly

Early repayments allowedYes

Early repayments fee$0

Missed payment fee$15

For debt consolidation?Yes

Sponsored Yes

Telephone1300 329 037

Data accurate as of03.03.2021

GO TO MoneyMe

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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.

What type of loan are you looking for?

The Mac personal loans – Fast forward your dreams and goals

The MacArthur Credit Union or simply The Mac offers an assortment of personal loan options. That means you have the flexibility to choose the right product for your particular need or fancy. Our detailed review covers the things you should know about The Mac personal loans so you can decide the best fit for you.

Personal loan options offered by The Mac

You have several loan options when borrowing from The Mac, including:

  • Secured personal loan. The Mac secured personal loan allows you to buy a used car, renovate your home or go on holiday. This loan, however, requires security, typically a vehicle, that’s registered under the Personal Property Security Register (PPSR) for a $15 fee. You then get a lower interest rate than the unsecured loan (12.99% vs 15.99%). Generally, borrowing limits are set between $2,000 and $50,000.
  • Unsecured personal loan. The Mac unsecured loan can be used for the same purposes as the secured loan. But you won’t have to provide security, hence the higher rate. You can borrow between $1,000 and $30,000.
  • Debt consolidation loan. The Mac debt consolidation loan pays off your multiple debts, so you’re left with only a single repayment. That means you spend less time managing your debt, and you don’t have to keep track of different due dates.
  • Personal overdraft. The Mac personal overdraft is a great option to have when you need ongoing financial backup. You only pay interest on what you borrow, and you can tap into the funds anytime up to an approved limit.
  • Car loans. The Mac also offers new and used car loans. Pre-approval is available, and you can also use the money to buy a motorbike or caravan. Find out more in our The Mac car loans guide.

Features and benefits of The Mac personal loans

  • Quick turnaround. The Mac offers its borrowers a fast loan turnaround time.
  • Flexible loan terms. Since The Mac offers loan terms of between 1 and 7 years, it’s possible to choose monthly repayments that match your budget.
  • Flexible repayment options. With weekly, fortnightly, or monthly loan repayment options, you can pay off your loan according to what suits your income cycle.
  • Extra repayments. You can make additional repayments and clear your debt at an earlier date without penalty.
  • Variable interest rates. Your rate might fluctuate along with the Bank of Australia cash rate. The advantage is you can save if the rate falls, but the downside is you could end up paying more if the rate rises.
  • Fewer fees and charges. There’s an upfront establishment fee of $250. However, there are no ongoing fees, account keeping fees, or early repayment fees.

How to apply for The Mac personal loans

You must be a member to take out a loan with The Mac. Additionally, you have to be a permanent Australian resident aged 18+ years. You’ll also need to provide details about your:

  • Employment
  • Income
  • Living expenses
  • Assets such as land, property, savings, shares, and super
  • Debts – the amount you owe, limits, and repayments

You can use The Mac personal loan calculator to find your desired repayment or to compare with other loan options available in the table above. Once you decide to apply, click “Go to Site” to access The Mac’s website.

More about The Mac

As a mutual financial institution, The Mac is member-owned and invests its profits back to increase benefits for members. It was founded in 1971 by local miners and truck drivers and currently has four branches in Camden, Narellan, Picton, and Tahmoor. On top of personal loans, The Mac also provides home loans and car loans.

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