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Southern Cross Credit Union personal loans
Southern Cross Credit Union was established in 1966, in the Northern Rivers region of New South Wales, as the Tweed BGF Members Credit Union. In 1975, it merged with Lismore Community Credit Union to become Tweed Byron Credit Union before changing its name to Southern Cross Credit Union in 1997.
Today, Southern Cross Credit Union has grown to serve members from across New South Wales and Australia.
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Why choose Southern Cross Credit Union
Southern Cross Credit Union 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 Southern Cross Credit Union personal loan
Southern Cross Credit Union provides a range of personal loans to its members, including secured, unsecured and green loans. Southern Cross Credit Union personal loans can be used for car purchases, overseas holidays, home renovations and debt consolidation. The Southern Cross Credit Union green loan offers benefits to members who make sustainable choices when purchasing a vehicle.
Southern Cross Credit Union personal loans have a maximum amount of $150,000 and a maximum term of seven years.
Southern Cross Credit Union personal loans – customer service
Southern Cross Credit Union can be contacted via phone, online enquiry or within a credit union branch. Southern Cross Credit Union can be found in northern New South Wales. Customer service can be reached by phone on weekdays during business hours.
Who is eligible for a Southern Cross Credit Union personal loan?
- Must be an Australian citizen or permanent resident
- Must be aged 18 years or over
How to apply for a Southern Cross Credit Union personal loan?
- Click ‘Apply Now’
- Complete the application form and the living expenses form
- Email forms to [email protected]
- A Southern Cross Credit Union lending specialist will then contact you
Southern Cross Credit Union personal loans review
Although Southern Cross Credit Union offers a thinner range of personal loans than Australia’s larger financial institutions, it may still be a suitable personal loan lender for borrowers looking for both secured and unsecured personal loans.
Southern Cross Credit Union personal loans charge a high establishment fee, but do not charge ongoing fees or early repayment fees. Repayments can be made weekly, fortnightly or monthly.
When it comes to personal loans interest rates, Southern Cross Credit Union tends to be below average. Southern Cross Credit Union personal loan rates differ between its secured, unsecured and green loan options. Its personal loan interest rates are moderately low.
There are dozens of different personal loan lenders in Australia, so it’s advisable to compare personal loan rates from several financial institutions before applying. A personal loan comparison can help you secure the best personal loan rates for your financial situation.
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