Our unsecured personal loans could help you renovate your home, take a much needed holiday and more. You won't need any existing assets but if you do have security available or you're looking to buy a vehicle, head over to our secured personal loan or New Vehicle Loan page for a better rate.

Unsecured Personal Loan
9.49
%
P.A
Fixed Interest Rate
9.85
%
P.A
Comparison Rate*
Unsecured Personal Loan
$0
Monthly Fees
$0
Online Redraw Fees
  • Loans from $5k – $30k
  • No Penalties for Early Repayment
  • Unlimited Free Extra Repayments

Secured Personal Loan

Unsecured Personal Loan

New Vehicle Loan

Product Features
Minimum Loan Amount
$5,000 $5,000 $5,000
Maximum Loan Amount
$150,000 $30,000 $150,000
Minimum Loan Term
3 years 3 years 3 years
Maximum Loan Term
7 years 7 years 7 years
Additional Repayments Available
Yes Yes Yes
Product Features
Compare

Secured Personal Loan

Minimum Loan Amount
$5,000
Maximum Loan Amount
$150,000
Minimum Loan Term
3 years
Maximum Loan Term
7 years
Additional Repayments Available
Yes

Unsecured Personal Loan

Minimum Loan Amount
$5,000
Maximum Loan Amount
$30,000
Minimum Loan Term
3 years
Maximum Loan Term
7 years
Additional Repayments Available
Yes

New Vehicle Loan

Minimum Loan Amount
$5,000
Maximum Loan Amount
$150,000
Minimum Loan Term
3 years
Maximum Loan Term
7 years
Additional Repayments Available
Yes
Interest Rates

Secured Personal Loan

Unsecured Personal Loan

New Vehicle Loan

Fixed Rate
7.49%pa

7.84%pa comparison rate*
9.49%pa

9.85%pa comparison rate*
6.49%pa

6.84%pa comparison rate*
Compare

Secured Personal Loan

Fixed Rate
7.49%pa

7.84%pa comparison rate*

Unsecured Personal Loan

Fixed Rate
9.49%pa

9.85%pa comparison rate*

New Vehicle Loan

Fixed Rate
6.49%pa

6.84%pa comparison rate*
Fees & Charges

Secured Personal Loan

Unsecured Personal Loan

New Vehicle Loan

Establishment Fee
$250 $250 $250
Other Fees
Security Variation
$50 - $50
Changes to Loan Contract
$150 $150 $150
Direct Debit Dishonour Fee
$15 $15 $15
Compare

Secured Personal Loan

Establishment Fee
$250

Unsecured Personal Loan

Establishment Fee
$250

New Vehicle Loan

Establishment Fee
$250
Other Fees
Compare

Secured Personal Loan

Security Variation
$50
Changes to Loan Contract
$150
Direct Debit Dishonour Fee
$15

Unsecured Personal Loan

Security Variation
-
Changes to Loan Contract
$150
Direct Debit Dishonour Fee
$15

New Vehicle Loan

Security Variation
$50
Changes to Loan Contract
$150
Direct Debit Dishonour Fee
$15
  • 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.

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
Which renovations add value and liveability to your home?

Whether you’ve been enticed by a refinancing option with a low interest rate or you just feel like sprucing up your house or investment property, your list of renovation options can begin to grow. It’s often a great idea to look at renovations that may add to the value of...

Whether you’ve been enticed by a refinancing option with a low interest rate or you just feel like sprucing...

Read More
Tips for reducing your energy costs at home

Energy bills can often be a little bit of a surprise, particularly as many of us are increasingly working from home. Depending on your usage over the past month or quarter, the cost owing can often vary from bill to bill. There are a couple of quick and easy steps...

Energy bills can often be a little bit of a surprise, particularly as many of us are increasingly working...

Read More
The five things every first home buyer Googles

When you’re looking to break into the property market as a first home owner, there’s plenty to wrap your head around. It’s absolutely understandable that you’ll head over to Google to start your desk research on how to go about buying your first home. We answer five of the most...

When you’re looking to break into the property market as a first home owner, there’s plenty to wrap your...

Read More
What is the Government’s HomeBuilder scheme and who is it for?

In an attempt to stimulate the economy, the Australian Government has rolled out HomeBuilder – a $25k grant for those building a new home or substantially renovating their current home. If you’re planning to build, HomeBuilder might mean you can add that extra en suite or guest bedroom. If you’re...

In an attempt to stimulate the economy, the Australian Government has rolled out HomeBuilder – a $25k grant for...

Read More