Get there faster and from the comfort of home with SCCU’s online loan application. It only takes 10 minutes to get started online, and if you’d like a little extra help, call our team on 1300 360 744 who can help guide you through the process.
Select a loan type and tell us a little bit about what you’re applying for including borrowing amount and repayment terms. If you’re not sure, don’t worry, we can updated this later with the help of our lending specialist.
Once we know about your loan, we’ll ask a little bit about you, including your name, address and best contact details. If you’re applying as a couple, family or group you can even add their details so we get the full picture.
We’ll then ask for some info about your recent employment history and any other income you have coming in, whether that’s through rent on an existing property, shares, interest or any other source.
Last step is to understand your current outgoings. We’ll ask a few questions around living expenses, other loans and credit cards you might have; and other ongoing expenses such as child maintenance.
Explore our website for helpful tools, calculators and the range of loans available. The application is designed to be a simple first step in your loan journey and can be adjusted with the help of our team who will help you along the way. Make sure you meet the basic eligibility requirements, and once you’ve decided then go ahead and start your application!
Be aged 18 years or over
Be a citizen or permanent resident of Australia or New Zealand
Have confirmed employment in Australia
Once your online application is submitted, one of our Loan Specialists will receive and review your application. They’ll then contact you within a few days to complete the process, provide you with an outcome and let you know next steps including upload of any required support documentation through our secure online portal below.
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.
* The comparison rate is based on a $150,000 loan repayable over 25 years.
^The comparison rate is based on a $30,000 loan repayable over 5 years.
WARNING: These comparison rates are 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.
Southern Cross Credit Union Ltd ABN 82 087 650 682 Australian Credit Licence 241 000.
#Available for new business only. Not available for Broker Business
^ At the end of your fixed rate period the interest rate will revert to the relevant Principal and Interest variable rate.
Years of age
Australian our NZ resident
Confirmed employment
If you'd like a little extra help, call our team on 1300 360 744.
