Applying for a Personal Loan Just got Easier!

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.

Get Started

Four Easy Steps to Apply!

Loan Details
Loan Details

Select personal loan 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.

Loan Details
About You
About You

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.

About You
Employment & Income
Employment & Income

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.

Employment & Income
Expenditure
Expenditure

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.

Expenditure

Before You Apply

Explore our website for helpful tools, calculators and the range of personal 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 aged 18 years or over

Be a citizen or permanent resident of Australia or New Zealand

Be a citizen or permanent resident of Australia or New Zealand

Have confirmed employment in Australia

Have confirmed employment in Australia

Personal Loans

Secured
Personal Loan

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

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

Suitable for short-term borrowing up to $30k if you have no existing security

  • Loans from $5k – $30k
  • No Monthly Fees
  • No Penalties for Early Repayment
Find Out More
Unsecured
Personal Loan
New Vehicle
Personal Loan

A personal loan for buying a brand new vehicle

  • Loans from $5k – $150k
  • No Monthly Fees
  • No Penalties for Early Repayment
Find Out More
New Vehicle
Personal Loan

After You Apply

 

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.

 

If you have any questions in the meantime, get in touch with us!

 

Contact Us

Choosing between a personal loan and a credit card

You’re beginning to plan your wedding and you need to start paying suppliers. Perhaps you need to break free of the daily grind and go on that family vacation or new year, new you retreat. Maybe you backed into a pole at the shopping centre car park and you...

You’re beginning to plan your wedding and you need to start paying suppliers. Perhaps you need to break free...

Read More
What is compound interest and how is it calculated?

Interest is the money paid to you by your financial institution to reward you for banking your savings dollars with them. Compound interest is the simple equation which could help amass more dollars in your savings account. Albert Einstein referred to compound interest as the 8th wonder of the world...

Interest is the money paid to you by your financial institution to reward you for banking your savings dollars...

Read More
How can I earn interest on my money?

Earning interest on your money is one of the ways you can begin to grow wealth and have your savings working for you, whether you’re saving for something specific such as a holiday or a deposit on a house, or you’re just setting aside some ‘rainy day’ money. There are...

Earning interest on your money is one of the ways you can begin to grow wealth and have your...

Read More
Who is the RBA and what is the ‘cash rate’

On the first Tuesday of every month, the Reserve Bank of Australia (RBA) announces what it plans to do with interest rate. Whilst it very rarely exceeds a ¼% increase or decrease, it often gets a mention on the evening news. It’s a fundamental influence on our national economy and...

On the first Tuesday of every month, the Reserve Bank of Australia (RBA) announces what it plans to do...

Read 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.