CUA Unsecured Fixed Rate Personal Loan

This loan features unlimited additional repayments and a fixed interest rate starting from 9.39% p.a. A $175 establishment fee applies.

  • Please note that CUA has been rebranded to Great Southern Bank. The information on this page has been kept for the benefit of those who are interested and historical records only.

CUA (now known as Great Southern Bank) offers a fixed rate personal loan that allows you to borrow up to $50,000 to cover the cost of any major purchase. You get a fixed interest rate of 9.39% p.a., meaning that your repayments remain the same. This makes budgeting easier. There are also a number of flexible repayment options.

3 things you should know about this loan

  • Early repayment option. You can make additional repayments or repay your loan early without penalty.
  • Fees. There are no monthly fees with this product, but there is a compulsory $175 establishment fee.
  • Redraw facility. If you make extra repayments, you can redraw these repayments for free. There is a $200 minimum for redraws made in a CUA branch.
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9.39% (fixed)

Interest Rate (p.a.)

9.64%

Comparison Rate (p.a.)

$5,000

Min Loan Amount

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Details

Product NameCUA Unsecured Fixed Rate Personal Loan
Interest Rate (p.a.)9.39% (fixed)
Comparison Rate (p.a.)9.64%
Interest Rate TypeFixed
Min Loan Amount$5,000
Max. Loan Amount$50,000
Loan SecurityUnsecured

Main points to consider with the CUA Unsecured Fixed Rate Personal Loan

There are no monthly fees associated with this loan and you can borrow up to $50,000 You will receive a fixed rate of 9.39% p.a. with a comparison rate of 9.64% p.a.

For those who are looking for personal loans for a new car, CUA has a fixed rate car loan to consider. The interest rate is 6.79% p.a. and just like with the personal loan, you can choose a flexible repayment schedule that fits in with your budget.

Features of the CUA Unsecured Fixed Rate Personal Loan

This is a competitive personal loan that's worth considering when you're trying to meet a high-priced personal need. The features include:

  • Competitive fixed rate. You will be charged a fixed rate of 9.39% p.a.
  • Loan terms. You can choose to pay your loan off over a period of 1 year to 7 years.
  • Flexible repayments. The repayment terms are flexible for this loan and can be made according to your pay schedule. You can also make as many additional repayments as you wish with no worry of penalties or charges if the loan is paid off sooner than expected.
  • Redraw. You can redraw any additional repayments you make using the convenient redraw facility attached to this loan. Keep in mind there is a $200 minimum for in-branch redraws.
  • How much you can borrow. You can borrow between $5,000 and $50,000 with this personal loan.
  • No monthly fees. You won't pay any ongoing fees during the loan.

How to apply for the CUA Unsecured Fixed Rate Personal Loan

You can apply for this personal loan product from CUA online, and to do so just click "Go to Site" to start your application. Before you begin, make sure that you are able to meet the following eligibility requirements:

  • Be at least 18 years of age
  • Be an Australian permanent residents or citizen
  • Be able to provide proof of a regular income
  • Have not declared bankruptcy or insolvency
  • Have had no defaults on any forms of finance in the past five years

If you can meet these requirements, click 'Go to Site' to begin the application. Have the following documentation ready to help with the questions you will be asked on the application:

  • Personal information. Your name, birth date and current address will have to be disclosed. You may also need to provide an e-mail address in order for a representative from CUA to contact you.
  • Income. A detailed description of your current employment situation including contact information and earnings.
  • Identification. Your driver's licence number, passport or Medicare card may be required.
  • Liabilities. A complete listing of your current debts. Include any other loans and credit cards.
  • Assets. Your personal assets. This could include property, vehicles and savings accounts.

This is a good personal loan to consider if you need money to cover the cost of a major expense. When comparing this to other personal loans, look carefully at the varying interest rates and other fees that may be included so that you can find the right loan for your needs.

Compare other personal loans

$
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Application Fee Monthly Service Fee Monthly Repayment
Symple Loans Personal Loan

From 5.75% (variable)
6.47%
$5,000
1 to 7 years
from 0% to 5% of the loan amount
$10

You'll receive a variable rate from 5.75% p.a. to 25.99% p.a.

Borrow up to $50,000 and earn 1 Qantas Point for every $1 borrowed.

⭐Special Offer: Earn up to 50,000 Qantas Points with a personal loan from Symple.
Plenti Personal Loan

From 6.39% (fixed)
6.39%
$5,000
3 to 7 years
$0 to $999
$35
You'll receive a fixed rate between 6.39% p.a. and 17.89% p.a. based on your risk profile.
A flexible loan with amounts from $5,000 and terms starting from 3 years. Interest and comparison rates calculated for a loan term of 5 years.
Citi Personal Loan Plus
8.90% (variable)
9.18%
$5,000
3 to 5 years
$199
$0
You'll receive a guaranteed variable rate of 8.90% p.a. with a comparison rate of 9.18% p.a. if you're approved.
A credit limit up to $75,000 that you can continue to draw down over terms up to 5 years. Note: Monthly account service fee will be waived for applications submitted before 30 September 2021. The interest rate doesn’t change based on your risk profile, so you know your rate before you apply.
Harmoney Unsecured Personal Loan

From 5.35% (fixed)
6.14%
$2,000
3 to 5 years
$575 ($275 for loans of below $5,000)
$0
You'll receive a fixed rate between 5.35% p.a. and 19.09% p.a. based on your risk profile.
Apply for a loan up to $50,000 and repay your loan over 3 or 5 years terms.
Alex Bank Personal Loan

From 5.45% (fixed)
5.45%
$2,100
6 months to 5 years
$0 (Waived $295 establishment fee)
$0
You'll receive a fixed interest rate from 5.45% p.a. to 19.99% p.a. based on your risk profile
Borrow between $2,100 and $30,000 from 6 months to 5 years. Note: The $295 establishment fee will be waived for loan applications submitted by 30 September 2021.
SocietyOne Unsecured Personal Loan

From 5.95% (fixed)
5.95%
$5,000
2 to 5 years
from $0 to $595
$0
You'll receive a fixed rate between 5.95% p.a. and 19.99% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Benefit from no ongoing fees and no early repayment fee.
NAB Personal Loan Unsecured Fixed

From 6.99% (fixed)
7.91%
$5,000
1 to 7 years
$150
$10
You'll receive a fixed rate between 6.99% p.a. and 18.99% p.a. (7.91% p.a. to 19.83% p.a. comparison rate) based on your risk profile
Borrow from $5,000 to $55,000, with 1 to 7 year loan terms available. This loan comes with no fees for extra repayments and no early exit fees.
NOW Finance No Fee Unsecured Personal Loan

From 5.95% (fixed)
5.95%
$5,000
18 months to 7 years
No Establishment Fee
$0
You'll receive a fixed rate between 5.95% p.a. and 17.95% p.a. based on your risk profile
Borrow from $5,000 to $7,999 with loan terms between 18 months and 3 years or borrow $8,000 to $50,000 with loan terms between 18 months and 7 years.

⭐ Finder Exclusive: Apply and settle a NOW Finance debt consolidation loan via Finder by 30 September 2021 for your chance to win $2000 paid off your debt. T&Cs apply.
OurMoneyMarket Personal Loan

From 5.45% (fixed)
6.07%
$2,001
1 to 7 years
From $250
$0
You'll receive a fixed rate from 5.45% p.a. to 20.99% p.a. based on your risk profile.
A personalised loan from $2,001 to $75,000 that varies based on your credit history and financial situation.

⭐ Finder Exclusive: Apply before September 30th 2021 to secure a discounted rate of 5.45% p.a. (comparison rate: 6.07% p.a.) for the first 12 months on loans over $35,000. T&Cs apply.
Latitude Personal Loan (Unsecured)

From 7.99% (fixed)
9.24%
$3,000
1 to 7 years
$250 (Loans under $5000 - $140)
$13
You'll receive a fixed rate between 7.99% p.a. and 22.99% p.a. based on your risk profile
Apply for what you need from $3,000 and use it for a range of purposes. Repay weekly, fortnightly or monthly. You can check your interest rate before applying with no impact to your credit score.
ANZ Fixed Rate Personal Loan
8.99% (fixed)
9.88%
$5,000
1 to 7 years
$150
$10
You'll receive a guaranteed rate of 8.99% p.a. with a comparison rate of 9.88% p.a. if you're approved.
Apply for up to $50,000 to use for a variety of purposes without needing to add security. Available to self-employed applicants.

⭐Special Offer: Secure a reduced interest rate of 8.99% p.a. for a limited time only. Apply for up to $50,000 to use for a variety of purposes without needing to add security.
MoneyMe Personal Loans

From 6.25% (fixed)
7.64%
$2,100
1 to 5 years
from $295 to $495
$10
You'll receive an interest rate between 6.25% p.a. and 19.95% p.a. based on your risk profile
Borrow up to $50,000 with no hidden fees or costs. Application process usually takes 5 minutes to complete and is done fully online.
Wisr Personal Loan ($5,000 to $30,000)

From 6.49% (fixed)
6.49%
$5,000
3 to 7 years
$0 - Waived Establishment Fee
$0
You'll receive a fixed rate between 6.49% p.a. and 20.95% p.a. based on your risk profile
A loan from $5,000 that charges no fees for extra or early repayments. Keep in mind security is required in some cases.

⭐Special Offer:The $595 establishment will be waived for unsecured personal loans between $5,000 and $30,000. Offer ends 30 September 2021. T&Cs apply.
Wisr  Personal Loan ($30,001 to $64,000)

From 6.49% (fixed)
7.11%
$30,001
3 to 7 years
$595
$0
You'll receive a fixed rate between 6.49% p.a. and 20.95% p.a. based on your risk profile
A loan from $30,001 that charges no fees for extra or early repayments. Keep in mind security is required in some cases.
ANZ Variable Rate Personal Loan
10.50% (variable)
11.38%
$5,000
1 to 7 years
$150
$10
You'll receive a guaranteed rate of 10.50% p.a. with a comparison rate of 11.38% p.a. if you're approved. Note: This rate may vary during the loan term.
A flexible loan with amounts starting $5,000 that offers flexible repayments and a redraw facility.
Heritage Bank Fixed Personal Loan
7.99% (fixed)
8.62%
$5,000
1 to 7 years
$200
$5
Choose a fixed rate loan and receive a comparison rate of 8.62% p.a.
Fixed rate loans are available up to $100,000 on terms from 1 to 7 years.
Plenti Variable Rate Personal Loan

From 6.39% (variable)
6.39%
$5,000
1 to 3 years
$0 to $999
$0
You'll receive a variable rate from 6.39% p.a and 17.89% p.a. based on your risk profile
A flexible loan with amounts from $5,000 and terms starting from 12 months. Benefit from transparent costs and a rate estimate before you apply.
NAB Personal Loan Unsecured Variable Rate

From 6.99% (variable)
7.91%
$5,000
1 to 7 years
$150
$10
You'll receive a variable rate between 6.99% p.a. and 18.99% p.a. (7.91% p.a. to 19.83% p.a. comparison rate) based on your risk profile
Borrow from $5,000 to $55,000, with 1 to 7 year loan terms available. This loan comes with no fees for extra repayments and no early exit fees.
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Important Information*
Logo for Harmoney Unsecured Personal Loan
Harmoney Unsecured Personal Loan

You'll receive a fixed rate between 5.35% p.a. and based on your risk profile.
Apply for a loan up to $50,000 and repay your loan over 3 or 5 years terms.

Logo for ANZ Fixed Rate Personal Loan
ANZ Fixed Rate Personal Loan

You'll receive a fixed rate of 8.99% p.a.
Apply for up to $50,000 to use for a variety of purposes without needing to add security. Available to self-employed applicants.

Logo for NAB Personal Loan Unsecured Fixed
NAB Personal Loan Unsecured Fixed

You'll receive a fixed rate between 6.99% p.a. and 18.99% p.a. ( 7.91% p.a. to 19.83% p.a. comparison rate) based on your risk profile
Borrow from $5,000 to $55,000, with 1 years to 7 years loan terms available. This loan comes with no fees for extra repayments and no early exit fees.

Logo for SocietyOne Unsecured Personal Loan
SocietyOne Unsecured Personal Loan

You'll receive a fixed rate between 5.95% p.a. and 19.99% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Benefit from no ongoing fees and no early repayment fee.

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51 Comments

    Default Gravatar
    Con
    September 26, 2018

    Hi,

    I was wondering if I could get a personal loan. I have been self employed for 4 months will this be an issue?

      Avatarfinder Customer Care
      John
      September 26, 2018

      Hi Con,

      Thank you for leaving a question.

      Yes, self-employed applicants can still apply for a CUA Unsecured Fixed Rate Personal Loan as long as you would be able to show that you have a steady income coming in apart from the requirements mentioned below:

      Be at least 18 years of age
      Be an Australian permanent residents or citizen
      Be able to provide proof of a regular income
      Have not declared bankruptcy or insolvency
      Have had no defaults on any forms of finance in the past five years

      Hope this helps!

      Cheers,
      Reggie

    Default Gravatar
    Dylan
    August 3, 2017

    Hi, I would like to find out if it is possible with my low credit score to apply for a loan to consolidate some of my debt. I want to pay off my credit card and get a personal loan.

      Avatarfinder Customer Care
      Jhez
      August 4, 2017

      Hi Dylan,

      Thanks for your comment.

      Yes, it is possible. While it is true that having a low credit score can limit your options, we do have a page you might want to check. Read through the bad credit debt consolidation guide to see your options. It also comes with various information on how you can consolidate your debt when you have a low credit score.

      I hope this helps.

      Regards,
      Jhezelyn

    Default Gravatar
    Alice
    July 14, 2017

    I need to find finance options for gender reassignment Surgery in Australia. I’m expecting it to cost up front 20,000 although 3/4 should be eligible for a refund. I’m on a disability pension, but desperately need this surgery to complete my journey.

      Default Gravatar
      Jonathan
      July 15, 2017

      Hello Alice,

      Thank you for sending your inquiry over. :)

      We understand that this is a very important step for you. Most lenders of our medical loans would require employment which currently doesn’t match your form of income.

      You may consider loans for people on Centrelink payment as well. We have listed lenders ranging from banks, government and community financial assistance. You may use the calculator on that page to know how much you can borrow.

      Kindly review the eligibility requirements of each lender. You may select the “Go to Site” button of your chosen lender to proceed with your application.

      Hope this helps.

      Cheers,
      Jonathan

    Default Gravatar
    SImone
    June 8, 2017

    HI,
    If you know of, I am wandering if you know if i can apply for a personal loan from CUA to repay my flexiloan from another banking institution which has much higher interest rate and also compound interest
    Thanks

      Default Gravatar
      Liezl
      June 8, 2017

      Hi Simone,

      Thanks for reaching out.

      If you meet CUA’s eligibility and documentation requirements listed above then you’ll be able to apply for this loan. You can select the ‘Go to Site’ button to begin the application.
      You can also check other loan refinancing options for more details.

      I hope this helps.

      Cheers,
      Liezl

    Default Gravatar
    Negusco
    March 17, 2017

    CAN A CANADIAN MAKE AN APPLICATION FROM CANADA

      Avatarfinder Customer Care
      May
      March 17, 2017

      Hi Negusco,

      Thank you for your inquiry.

      Unfortunately, this loan is only available to Australian permanent residents or citizen. This is same is true for all other lenders listed on our pages. You might want to contact a bank or a lender in Canada instead.

      I’m sorry I couldn’t be of more help.

      May

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