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.

Unsecured Personal Loan
from 9.39
%
P.A
rates available on application3
from 10.30
%
P.A
comparison rate*
Unsecured Personal Loan
  • Loans from $5k – $50k
  • No Penalties for Early Repayment
  • Unlimited Free Extra Repayments
  • 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.

    All rates available for new business only and are subject to change without notice. Credit eligibility criteria, terms and conditions, fees and charges apply and may change without notice.

    *The comparison rate for Personal Loans is based on a loan amount of $30,000 repayable over 5 years.
    ³Unsecured fixed rates available starting from 9.39%. Determined upon application and subject to applicant’s credit score.

    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.

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

     

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
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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