Personal Loans

So you can focus on the important stuff

Looking to buy a new car, renovate your home or take a much needed holiday? Our Personal Loans could help.

Calculators
New Vehicle
Personal Loan

A personal loan for buying a brand new vehicle

  • Loans from $5k – $150k
  • No Penalties for Early Repayment
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New Vehicle
Personal Loan
Secured
Personal Loan

Suitable for short-term borrowing up to $150k if you have existing security

  • Loans from $5k – $150k
  • No Penalties for Early Repayment
Find Out More
Secured
Personal Loan
Unsecured
Personal Loan

Suitable for short-term borrowing up to $50k if you have no existing security

  • Loans from $5k – $50k
  • No Penalties for Early Repayment
Find Out More
Unsecured
Personal Loan
New Vehicle Loan
7.99
%
P.A
Fixed Interest Rate
8.90
%
P.A
Comparison Rate*
New Vehicle Loan
  • Loans from $5k – $150k
  • No Penalties for Early Repayment
  • Flexible Payment Schedule
Find Out More
Secured Personal Loan
7.99
%
P.A
Fixed Interest Rate
8.90
%
P.A
Comparison Rate*
Secured Personal Loan
  • Loans from $5k – $150k
  • No Penalties for Early Repayment
  • Flexible Payment Schedule
Find Out More
  • The Little Details

    Products issued by Southern Cross Credit Union Ltd. Any advice given is of a general nature only and is not based on any consideration of your objectives, financial situation and needs. To decide if a product is right for you, please refer to the Summary of Accounts, Access Facilities and Transaction Limits. Eligibility criteria, fees and charges, terms and conditions apply. To help you better asses if these products are right for you please reach out to our team or read through our Target Market Determinations (TMD), designed to help you make an informed decision that is consistent with your objectives, financial situations and needs.

    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.

    Credit eligibility criteria, terms and conditions, fees and charges apply. Advertised Interest rates subject to change without notice.

    Southern Cross Credit Union Ltd ABN 82 087 650 682 Australian Credit Licence 241 000.

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

To better manage your money, explore the tools and links below:

Register for our NetBanking to manage your accounts online.

Download our SCCU App and set your savings goal.

Check the money management tool Frollo.

Visit the Australian Securities and Investments Commission’s website at moneysmart.gov.au

Shane provided amazing customer service from start to finish. He was extremely knowledgeable, respectful, and attended to every detail of the process with thoroughness and professionalism. This kind of customer service is almost unheard of these days, so it was an absolute delight to work with Shane. The interest rate on my company car was fantastic and the terms of the loan were both fair and reasonable. I 100% recommend Shane and Southern Cross Credit Union for obtaining financing for a vehicle and wouldn't use anyone else for my business going forward. Thanks to Shane and his team!
Joanna Tedeschi
Previously we were not advocates of the banking industry, we were strong non-believers after some disappointing & negative experiences. Many locals referred us to Southern Cross Credit Union (SCCU) and after much encouragement we moved our banking business to the SCCU Tweed City Branch. We are now strong believers as we have been in the extremely efficient, effective and supportive hands of SCCU loans manager Stephen Distant. What an asset! Stephen has totally reframed our banking experience, we are genuinely impressed with his ability to do this by managing our loans. Even after many years as a SCCU client, Stephen's dedication with helping us has not died down, his loyalty remains nothing short of inspiring and his willingness to provide outstanding customer service is something we are in awe of. Moving our accounts to SCCU was a great decision, thanks to Stephen Distant.
Rod and Suzy Cornelius
Working with Steve has been an absolute pleasure! He is very professional yet is able to bring a personal touch to the banking and loan process. We always feel like we are kept up to date with requirements and processes and Steve is always willing to explain everything in a user-friendly yet professional manner. He has been amazing to work with for our financial needs and would highly recommend his services to friends, family, and colleagues.
Kylie Taylor
We are writing to compliment SCCU for the excellent care, efficiency and exceptional customer service which we have received over the past many months of our build from Emma Northcott. Emma has combined professionalism, attention to details, accuracy, excellent communication and helpful consideration in managing our loan and the periodic payments requested by the builder. In our opinion she has gone above and beyond what we would have expected from a Lending Operations Specialist, and her handling of our account will highly contribute to our recommendations of SCCU to friends and family. Thanking you sincerely
Stan and Zetta Michaels
Rachael has been outstanding in helping my wife and I purchase our new home in Gladstone Central Qld, Rachael also helped us 3 years ago purchase an investment property which we still have. We lived on the Tweed Coast for 14 years and have always banked with SCCU, even though we relocated to Central Qld 6 years ago. The reason we remain with SCCU rather than be attracted by one of the Big Banking companies is the excellent customer service and great attitude of the SCCU team. Even with the distance and us both working in very busy jobs, Rachael made the job of purchasing our new property stress free and straight forward, all the time nothing was a hassle for her. I wanted to let you know that your staff are excellent, and as always I will continue to recommend you to the many friends I have in the Tweed area and elsewhere.      
Peter & Melissa
We recently approached Southern Cross Credit Union to investigate the refinancing of three home loans. We were referred to SCCU by our Local Surf Club – Cudgen Headland Surf Lifesaving Club through the Community Rewards Partnership that they had recently entered into. We had been dealing with a couple of the big 4 banks for the past 20 years. From our initial meeting, though regular emails and phone calls to the final signing of documentation, everyone at SCCU was a pleasure to deal with. We are very happy with our move to SCCU and are looking forward to a long and prosperous relationship. We would encourage everyone to evaluate their current situation and give SCCU a call, you will not be disappointed. SCCU made banking personal again.
Gavin & Sally
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