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Credit Union SA personal loans
Credit Union SA is South Australia’s third largest credit union. Credit Union SA is owned by its members, which means it does not have any external shareholders.
Credit Union SA was formed in 2009 with the merger of two South Australian credit unions, Satisfac and Powerstate.
Credit Union SA serves over 49,000 members and operates six branches across South Australia.
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Why choose Credit Union SA
Credit Union SA Personal Loans
Personal Loans calculator
Use our personal loan calculator to see how much you’d have to repay under different borrowing scenarios.
Your estimated repayments
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- This is an estimate of how much you would pay (weekly/fortnightly/monthly) based on your borrowing amount, interest rate and loan term.
- Calculations assume that details entered into calculator, including interest rates, do not change for the lifetime of the loan.
- Interest is calculated by compounding on the same frequency as the repayment selected, i.e. weekly, fortnightly or monthly.
- Months are assumed to be of equal length. However, given that some months are longer than others, interest charged by vary depending upon the month.
- The calculation rounds of the personal loan repayment to the closest dollar value without decimals.
- All calculations are estimates only; there are no guarantees, pre-qualifications or pre-approvals for borrowing. All results are based solely upon the data entered into the calculator.
- Your final mortgage repayments or borrowing amount will depend on your lender’s eligibility criteria among other factors.
- Calculator does not include the cost of fees or other extra charges.
- Calculator does not account for changes to interest rates over time.
- This calculator is for information purposes only. Any advice is general and has not taken into account your personal circumstances. Read our full disclaimer.
Features of a Credit Union SA personal loan
As a regional personal loan lender, Credit Union SA has a limited range of loans. However, customers are able to choose between flexible and low-rate options with either fixed or variable interest.
Credit Union SA charges an upfront establishment fee, but does not charge any monthly account-keeping fees. Credit Union SA allows additional repayments with no penalty and has a maximum load period of seven years.
Credit Union SA personal loan rates range from very low to moderately high, depending on the product you choose.
Credit Union SA personal loans - customer service
Credit Union SA customers can contact customer service by phone, online enquiry or by visiting a Credit Union SA branch.
Customer service via phone is available from 8am-5:30pm on weekdays and from 9am-12pm on Saturdays.
Who is eligible for a Credit Union SA personal loan?
- Must be at least 18 years old
- Must be a permanent Australian resident or citizen
- Must be currently employed
- Must not be a US resident for taxation purposes
- Must never have been bankrupt
How to apply for a Credit Union SA personal loan?
- Click ‘Apply Online’
- Confirm your eligibility
- Complete the online application form
- Submit the online application form and wait for a response
Credit Union SA personal loans review
Credit Union SA provides personal loans for a range of expenses, including large purchases, home renovation and debt consolidation.
Customers can choose between secured and unsecured arrangements, and select either variable or fixed interest. Credit Union SA personal loans have a maximum loan term of seven years.
Credit Union SA charges a one-off establishment fee but does not charge monthly account-keeping fees. Customers can make additional repayments at no extra cost, and there is no penalty for paying your loan off early. Credit Union SA also has free redraw facilities.
Credit Union SA’s current personal loan interest rates range from very low to moderately high. Customers will typically get Credit Union SA’s best personal loan rates on secured loan options. Before applying, it’s best to compare personal loan rates to ensure you choose the right option for you.
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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.
