Applying For a SCCU 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.

Four Easy Steps to Apply!

Loan Details
Loan Details

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.

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 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

Home Loans

Are you a First Home Buyer, thinking about a new property or looking to refinance an existing home loan? We could help you get into your new place sooner with one of our home loans.

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Home Loans
Investment Loans

Planning to buy an investment property? Looking to refinance an existing investment home loan? We can help with our range of flexible investment home loans.

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Investment Loans
Personal Loans

Looking to buy a new car, renovate your home or take a much needed holiday? Our Personal Loans could help with no ongoing or early repayment fees.

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Personal Loans
Premium Home Loan
1.99
%
P.A
3 Year Fixed Rate
3.01
%
P.A
Comparison Rate*
Premium Home Loan
  • Loans from $250
  • Maximum LVR 95%
  • For New Business Only~
Find Out More
Basic Home Loan
2.78
%
P.A
Special Offer Variable Rate <80% LVR
2.83
%
P.A
Comparison Rate*
Basic Home Loan
  • Loans from $250k
  • No Annual Fees
  • For New Business Only~
Find Out More
Secured Personal Loan
7.49
%
P.A
Fixed Interest Rate
7.84
%
P.A
Comparison Rate^
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
The investment property guide

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Questions to ask yourself before placing an offer With the property market in a growth phase, rental vacancies at all-time...

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How to drive your renovation dollar further

Questions to ask yourself before diving into a renovation For many Australians, the pandemic has increased our appetite for renovating. With more time spent at home, extra downtime and little opportunity to spend our dollars on an overseas holiday, we are looking to make our own space a little more...

Questions to ask yourself before diving into a renovation For many Australians, the pandemic has increased our appetite for renovating....

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Renting versus Buying: Four factors you need to consider

Australian house prices are now among the most expensive in the world: Sydney and Melbourne have historically led the way when it comes to pricey real-estate, but other states are now quickly catching up. What used to be an achievable goal for most Australians – to work hard and...

Australian house prices are now among the most expensive in the world: Sydney and Melbourne have historically led the...

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Strong-arming the market: the ‘Hemsworth effect’

The picturesque towns of Northern NSW have had a sprinkling of celebrity stardust over the past years - while it’s shone the international and national spotlight onto our beautiful region, are we now paying A-list property prices? Known locally as the ‘Hemsworth effect’, the increase of celebrity visitors and new...

The picturesque towns of Northern NSW have had a sprinkling of celebrity stardust over the past years - while...

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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.

  • 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.

    * 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.

    ~Available for new business only. Valid for new loan applications received between 2nd September 2020 and 31st May 2021. Offers not available for switching of existing SCCU home loans. Not available through Broker introduced business.