CUA Car Loans

CUA puts you in the driver's seat at affordable rates starting from 6.79% p.a.

Credit Union Australia (CUA) traces its roots back to 1940s when it was formed through merger between several different credit unions across Queensland. Since then it has grown at a rapid pace, now with a membership of over 400,000 and growing. It has over $9 billion in assets under management, showing the trust it has cultivated in the market.

CUA provides a wide range of products like home loans, personal loans, health insurance and business loans. The ability to provide a great service whilst keeping interest rates competitive has helped CUA benefit the lives of its customers.

Compare car loans from CUA

Rates last updated October 19th, 2018
$
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Monthly Service Fee Application Fee Product Description Monthly Repayment
CUA Secured Fixed Car Loan
6.79% (fixed)
6.92%
$5,000
1 to 7 years
$0
$0
You'll receive a fixed rate of 6.79% p.a.
A secured loan with a high maximum borrowing amount up to $100,000. Redraw facility and no monthly fees.
CUA Discount Variable Personal Loan (Loans over $30,000)
10.89% (variable)
10.89%
$30,000
1 to 7 years
$0
$0
You'll receive a discounted variable rate of 10.89% p.a.
Borrow over $30,000 and receive a discounted interest rate. No monthly fees and a redraw facility also available.
CUA Discount Fixed Personal Loan (Loans over $30,000)
10.99% (fixed)
10.99%
$30,000
1 to 7 years
$0
$0
You'll receive a discounted fixed rate of 10.99% p.a.
Receive a discounted rate for borrowing over $30,000 and benefit from features such as no monthly fees and flexible repayments.
CUA Unsecured Fixed Rate Personal Loan
11.99% (fixed)
11.99%
$5,000
1 to 7 years
$0
$0
You'll receive a fixed rate of 11.99% p.a.
An unsecured loan from $5,000 with no monthly or establishment fees and flexible repayments.
CUA Unsecured Variable Personal Loan
11.89% (variable)
11.89%
$5,000
1 to 7 years
$0
$0
You'll receive a variable rate of 11.89% p.a.
Receive a discounted rate for borrowing over $5,000 and benefit from features such as no monthly fees and flexible repayments.

Compare up to 4 providers

  • CUA Fixed Rate Car Loan. Benefit from a competitive fixed rate of 6.79% p.a. when you're purchasing a new car. The minimum loan amount is $5,000 and the maximum is $100,000. Even though the loan is fixed it's quite flexible; you have up to 7 years repay it, there are no penalties for early repayment and you can make unlimited extra repayments to your loan.
  • CUS Fixed Rate Personal Loan. If you have your eye on a used car but still want your repayments to remain fixed, you can consider the Fixed Rate Personal Loan. It comes with a rate of 10.99% p.a. and no monthly fees. You can borrow between $30,000 and $60,000, making it suitable for a secondhand car purchase, and there are no penalties for early repayment. Loan terms are available up to 7 years.
  • CUA Variable Rate Personal Loan. This loan lets you purchase any car you like, and if market rates drop you may be able to take advantage of the favourable conditions. The loan comes with a rate of 10.89% p.a. and you can borrow between $30,000 and $60,000. There are no monthly fees, no penalties for early repayment and you have the ability to make unlimited extra repayments. You can also make your repayments weekly, fortnightly or monthly to suit your budget.

Can your vehicle be used as security?

To be eligible for the secured loan, vehicles need to be:

  • A new car or;
  • A car that's no more than two years old and;
  • Worth $15,000 and above

How you can apply for a CUA Car Loan

CUA makes it easy to apply for a car loan and ensures that the entire process is completed with a short turnaround time. Interested borrowers can click on 'Go to Site' and a new application for their car loan will be opened. The overall process is smooth and you can expect a response from CUA within 30 seconds of completing the application.

  • Age. Be at least 18 years of age.
  • Income. Receive a regular income.
  • Bankruptcy and bad credit. Not have declared insolvency or bankruptcy. You should also not have any defaults on your credit cards, loans store cards or interest-free finance in the past five years.

You'll need the following information on hand to complete the online application:

  • Employment and income details
  • Asset information including house, vehicles, money, shares
  • Amount owed on loans, overdraft, credit cards
  • Australian driver's licence number or passport details

The loan options on offer from CUA fixed rate car loan are definitely ones to consider if you're in the market for financing. However, as there are other options available, it's important to compare all available options before submitting your application.

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Important Information*
IMB New Car Loan

You'll receive a fixed rate of 5.89% p.a.
A low minimum borrowing amount of $2,000 that you can use to purchase a new car or one up to two years old.

Loans.com.au - New Car Loan

You'll receive a fixed rate of 5.44% p.a.
Finance a new car and benefit from features such as fast approval, no ongoing fees and an optional balloon payment.

Latitude Motor Vehicle Loan

You'll receive a fixed rate between 6.99% p.a. and 14.99% p.a. based on your risk profile
Apply for a loan from $5,000 to finance a new or used car. Flexible repayments and options to finance a classic car.

Stratton Finance New Car Loan

You'll receive a fixed or variable rate depending on the lender you are approved with
Apply for up to $100,000 and use cash or trade in a vehicle to use as a deposit. Optional balloon payment available.

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