Looking to buy a new car, renovate your home or take a much needed holiday? Our Personal Loans could help with no monthly fees, no penalties for early repayment and redraw availability.

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
New Vehicle Loan
6.49
%
P.A
Fixed Interest Rate
6.84
%
P.A
Comparison Rate*
New Vehicle Loan
  • Loans from $5k – $150k
  • No Monthly or Online Redraw Fees
  • No Penalties for Early Repayment
  • Flexible Payment Schedule
Find Out More
Secured Personal Loan
7.49
%
P.A
Fixed Interest Rate
7.84
%
P.A
Comparison Rate*
Secured Personal Loan
  • Loans from $5k – $150k
  • No Monthly or Online Redraw Fees
  • No Penalties for Early Repayment
  • Flexible Payment Schedule
Find Out More
Unsecured Personal Loan
9.49
%
P.A
Fixed Interest Rate
9.85
%
P.A
Comparison Rate*
Unsecured Personal Loan
  • Loans from $5k – $30k
  • No Monthly or Online Redraw Fees
  • No Penalties for Early Repayment
  • Flexible Payment Schedule
Find Out More
Rachael has been outstanding in helping my wife and I purchase our new home in Gladstone Central Qld, Rachael also helped us 3 years ago purchase an investment property which we still have. We lived on the Tweed Coast for 14 years and have always banked with SCCU, even though we relocated to Central Qld 6 years ago. The reason we remain with SCCU rather than be attracted by one of the Big Banking companies is the excellent customer service and great attitude of the SCCU team. Even with the distance and us both working in very busy jobs, Rachael made the job of purchasing our new property stress free and straight forward, all the time nothing was a hassle for her. I wanted to let you know that your staff are excellent, and as always I will continue to recommend you to the many friends I have in the Tweed area and elsewhere.      
Peter & Melissa
We recently approached Southern Cross Credit Union to investigate the refinancing of three home loans. We were referred to SCCU by our Local Surf Club – Cudgen Headland Surf Lifesaving Club through the Community Rewards Partnership that they had recently entered into. We had been dealing with a couple of the big 4 banks for the past 20 years. From our initial meeting, though regular emails and phone calls to the final signing of documentation, everyone at SCCU was a pleasure to deal with. We are very happy with our move to SCCU and are looking forward to a long and prosperous relationship. We would encourage everyone to evaluate their current situation and give SCCU a call, you will not be disappointed. SCCU made banking personal again.
Gavin & Sally
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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What do comparison rates tell us?

Comparison rates help us to compare loan products. They are designed to enable us to compare apples with apples, when it comes to the total cost of lending products, but unfortunately they don't paint the whole picture. What is a Comparison Rate? A comparison rate provides a simplified way to compare...

Comparison rates help us to compare loan products. They are designed to enable us to compare apples with apples,...

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  • 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.

    WARNING: This comparison rate is 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.

    *The comparison rate is based on a $30,000 loan repayable over 5 years.