Whether you’re planning your next holiday, upgrading your car, or managing an unexpected expense, our personal loans are here to help you move forward with confidence.
Explore our range of Personal Loans:
With flexible options, competitive rates, and support from real people who understand your goals, we make borrowing for personal purposes easy.
A quick look at our various personal loans and vehicle loan to see what's right for you.
Get behind the wheel sooner with a competitive fixed rate loan for new or demo vehicles.
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. Products issued by Southern Cross Credit Union Ltd ABN 82 087 650 682. AFSL and Australian Credit Licence 241 000.
*The comparison rate is based on a loan amount of $30,000 repayable over 5 years. 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.
Use an asset as security and enjoy a lower rate for larger expenses or planned purchases.
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. Products issued by Southern Cross Credit Union Ltd ABN 82 087 650 682. AFSL and Australian Credit Licence 241 000.
*The comparison rate is based on a loan amount of $30,000 repayable over 5 years. 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.
No security needed – just a simple, flexible loan for things like travel, weddings, or debt consolidation.
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. Products issued by Southern Cross Credit Union Ltd ABN 82 087 650 682. AFSL and Australian Credit Licence 241 000.
³Unsecured fixed rates available starting from 9.39%. Determined upon application and subject to applicant’s credit score.
*The comparison rate is based on a loan amount of $30,000 repayable over 5 years. 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.
Products issued by Southern Cross Credit Union Ltd ABN 82 087 650 682. AFSL and Australian Credit Licence 241 000. 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.
Important: Available for new business only. Offers not available for switching of existing SCCU home loans. Not available through Broker introduced business.
Advertised Interest rates subject to change without notice.
All Personal Loans
*The comparison rate is based on a loan amount of $30,000 repayable over 5 years. 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.
Unsecured Personal Loans
³Unsecured fixed rates available starting from 9.39%. Determined upon application and subject to applicant’s credit score.
Join our SCCU community along with thousands of customers who love our easy to understand banking services and caring customer approach.
Let’s break down the 3 types of Personal Loans to find what is best for you.
Borrow with confidence using an asset as security for a lower rate.
No collateral needed – just flexible funds for life’s big or small moments.
A fixed rate loan designed to help you buy a new or demonstrator vehicle.
Easy, straightforward and completely online.
Apply for your Personal Loan now in under 20 minutes or save to complete it in batches. Tell us about yourself and see how much you can borrow.
If you need help, call us on 1300 360 744 and our team will walk you through it.
Take advantage of our dedicated business accounts, services and loans and never mix personal and business funds again. You accountant will love you!
Our business offerings include but are not limited to Business Loan, Business Vehicle Loan, Overdraft and multiple business integrations such as Square, MYOB and Xero.
Explore our business products and call us on 1300 360 744 for personalised support.
Business Finance
As customer-owned and community focused, we place people and meaningful conversation at the core of everything we do. Unlike traditional banks, our profit doesn’t go to shareholders, they are reinvested into improving our services, products and banking solutions to support you every step of the way.
For over 60 years, we’ve helped everyday Australians with competitive financial products, award-winning service, financial education and smart digital solutions. We are here to make banking feel easy, more human, and better for the future.
With SCCU by your side, you are choosing a trusting banking partner who is proudly invested in you, your community, and your future.
Learn More About UsFrom your first transaction to lifelong investments, with you across all financial life stages.
Years of age
Australian our NZ resident
Confirmed employment
If you'd like a little extra help, call our team on 1300 360 744.
