Our unsecured personal loans could help you renovate your home, take a much needed holiday and more. You won't need any existing assets but if you do have security available or you're looking to buy a vehicle, head over to our secured personal loan or New Vehicle Loan page for a better rate.

Apply Online Repayment Calculator
Unsecured Personal Loan
from 9.39
%
P.A
rates available on application
from 10.30
%
P.A
comparison rate*
Unsecured Personal Loan
  • Loans from $5k – $50k
  • No Penalties for Early Repayment
  • Unlimited Free Extra Repayments

Secured Personal Loan

Unsecured Personal Loan

New Vehicle Loan
Product Features
Minimum Loan Amount
$5,000$5,000$5,000
Maximum Loan Amount
$150,000$50,000$150,000
Minimum Loan Term
3 years3 years3 years
Maximum Loan Term
7 years7 years7 years
Additional Repayments Available
YesYesYes
Product Features
Compare

Secured Personal Loan

Minimum Loan Amount
$5,000
Maximum Loan Amount
$150,000
Minimum Loan Term
3 years
Maximum Loan Term
7 years
Additional Repayments Available
Yes

Unsecured Personal Loan

Minimum Loan Amount
$5,000
Maximum Loan Amount
$50,000
Minimum Loan Term
3 years
Maximum Loan Term
7 years
Additional Repayments Available
Yes

New Vehicle Loan

Minimum Loan Amount
$5,000
Maximum Loan Amount
$150,000
Minimum Loan Term
3 years
Maximum Loan Term
7 years
Additional Repayments Available
Yes
Interest Rate Schedule Fees and Charges Schedule
  • 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.

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

     

We have been with SCCU for over 45 Years and for the last 24 of them with our business as well. The staff are amazing people to do your banking with and the loans division make every buying and selling experience so easy. Our little hiccups have never been a drama for the staff to help us solve and nothing is ever too much trouble to help us along the way to building our business through banking. Their rates are always competitive and we would never consider another bank or financial institution for all our needs. Loyal staff and loyal friends = Best Bank Ever.
Neil & Kathalina
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