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Northern Inland personal loans
Northern Inland Credit Union has been operating in Australia for over 50 years.
In addition to personal loans, Northern Inland Credit Union also offers everyday bank accounts, savings accounts, term deposits, insurance, home loans and financial planning services.
Members can visit one of Northern Inland Credit Union’s four branches, which are located in New South Wales, or use its online banking services.
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Why choose Northern Inland
Northern Inland 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.
Northern Inland Credit Union offers a limited range of personal lending options for its customers. Variable and fixed rates are available for Northern Inland’s secured loans. Unsecured loans are also available with variable interest rates.
Northern Inland CU personal loan rates are moderately low when compared to other lenders in the market.
A maximum loan amount of $100,000 is available with loan terms of up to five years.
There is an upfront fee from Northern Inland, and it is higher than what borrowers would pay at a major bank. Low ongoing monthly fees also apply to Northern Inland Credit Union personal loans.
Redraw facilities are available, although a minimum redraw amount is required for activation.
Northern Inland Credit Union personal loans - customer service
There are only four Northern Inland Credit Union branches for customers to visit, all within New South Wales.
The rest of Australia will have to use Northern Inland CU as an online bank or contact them by phone for assistance.
Who is eligible for a Northern Inland Credit Union personal loan?
Personal loan applicants must meet the following eligibility criteria:
- Be over 18
- Be a member of Northern Inland CU
- Be employed
- Pass a credit check
How to apply for a Northern Inland Credit Union personal loan?
Potential borrowers can apply for a Northern Inland personal loan in the following ways:
- By filling out an online application form
- By phone
- In person (NSW only)
Northern Inland Credit Union personal loans review
Northern Inland CU loans may be appropriate for borrowers who need assistance with purchasing a car or other personal items.
Variable and fixed interest rates are available in addition to secured and unsecured loans. This offers members flexibility in choosing the right personal loan for their circumstances.
Personal loan interest rates are moderately low when compared to other financial institutions. This could be beneficial for members looking to save money throughout the duration of their loan.
However, potential borrowers should be mindful of the higher-than-average upfront fees when taking out a Northern Inland Credit Union loan.
Customers can also expect a low ongoing monthly fee with their Northern Inland CU personal loan.
A redraw facility is available for customers who wish to borrow back money already paid off the loan.
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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.
