CUA Car Loans
CUA puts you in the driver's seat at affordable rates starting from
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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
- 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.
- CUA 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 9.39% p.a. and no monthly fees. You can borrow between $5,000 and $50,000, 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 car loan options before submitting your application.
More guides on Finder
CUA Achieve Variable Home Loan
A review of the CUA Achieve Variable Home Loan.
CUA Accelerate Variable Home Loan
Read this informative review of the CUA Accelerate Variable home loan.
CUA Fresh Start Basic Variable Home Loan review
With the CUA Fresh Start Basic Variable Home Loan you get all the great features of a basic home loan but none of the extras you may not use as well as no ongoing fees.
CUA Equity Line of Credit
More just a source of funds, a CUA Equity Line of Credit can be the gateway from just owning a home to managing a financially sound and lucrative investment portfolio.
CUA Premium Fixed Rate Home Loan
The CUA Premium Fixed Rate home loan offers competitive fixed interest rates, great features designed to help you pay off your home loan sooner with no monthly account-keeping fees.
CUA Fresh Start Variable Home Loan
Enjoy a low interest rate and fees with this loan from CUA.
Car Loan OffersImportant Information*
You'll receive a fixed rate of 4.99% 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.
You'll receive a fixed rate of 4.69% p.a.
Take advantage of a competitive rate, pre-approval and no early repayment fees when you finance a car under two years old.
You'll receive a fixed rate from 4.99% p.a.
A larger loan of $5,000 or more to help you buy a new or used car. 5-hour pre approval available and no ongoing fees.
You'll receive a fixed rate of 4.99% p.a.
Purchase a new or used car up to 2 years old and benefit from a fixed rate and no monthly fees. Pre-approval available within 5 business hours.
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