FCCS Affinity Car Loan

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The FCCS Affinity Car Loan can help you get into a new vehicle while taking advantage of a competitive variable rate, with no monthly fees.

If you’re looking at purchasing a new vehicle, there’s a huge range of financing options available to suit a variety of financial needs and situations. You can select from a car loan, a secured personal loan or unsecured personal loan, along with a number of other products. The Affinity Car Loan from FCCS Credit Union is a variable rate option with an online application and a private fleet buying service.


Application Fee

From 6.95% (variable)

Interest Rate (p.a.)


Comparison Rate (p.a.)

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Product NameFCCS Affinity Car Loan
Interest Rate (p.a.)From 6.95% (variable)
Comparison Rate (p.a.)7.22%
Interest Rate TypeVariable
Min Loan Amount$5,000

FCCS is now trading as Geelong Bank. All product information below is correct.

Things to consider about the FCCS Affinity Car Loan

The Affinity Car Loan is a vehicle financing product from FCCS Credit Union. To be able to access this loan product you will need to be a member of the credit union. As a member, you are an FCCS stakeholder and can enjoy the benefits of other financial products, with all the profits of the credit union being passed on to you through savings.

Features of the FCCS Affinity Car Loan

  • Variable interest rate. This loan is offered as a variable rate option and can help you take advantage of favourable market rate conditions.
  • Loan amount and terms. The minimum available loan amount is $5,000 and you are able to borrow for a term of up to 7 years.
  • Repayment options. You are able to select a repayment frequency to suit your budgeting needs, whether that be monthly, fortnightly or weekly. You also have the option of making additional repayments to repay your loan sooner.
  • Redraw facility. If you choose to make additional repayments then you also have the option of redrawing that money should you need to. This can encourage you to make additional contributions to pay off your loan sooner, with the knowledge that you will be able to access those funds later on.
  • Account access. FCCS allows you to apply for the loan online and also offers free access to the redraw facility when you redraw online. Free ATM and EFTPOS transactions are available as well.
  • Car buying service. You have the option of using the FCCS private fleet buying service free of charge so you can find the right car for you, plus you can take advantage of free roadside assistance and fleet discounting.

Pros and cons of the FCCS Affinity Car Loan


  • The fleet car buying service can help you save money on your purchase
  • The absence of monthly account service fees can help you save money over the life of your loan


  • The loan is only available with a variable rate, making it difficult to plan your repayments
  • The minimum loan amount of $5,000 is relatively high and may restrict some borrowers who are looking to finance less-expensive vehicles

Things to consider

As with any loan, you should determine how much you can afford to borrow before applying. If you are looking to purchase a new car then you may benefit from lower rates and fees with a secured loan, such as this loan from FCCS, as using your car as a guarantee means less of a risk to the lender.

As you are able to make free additional repayments online with the Affinity Car Loan, doing this from time to time will reduce the amount of interest you will end up paying.

How to apply

To apply for the Affinity Car Loan you will first need to sign up to be a member of FCCS Credit Union. To become a member you will need to purchase a share for $10. You will also need to provide proof of your identity.

After you become a member you can apply for the Affinity Car Loan online. You will need to provide the following documents:

  • Current payslip or letter from your employer stating commencement date and salary details
  • If you have another income you will need proof to verify the source
  • If you are self-employed you will need full financial statements and tax assessments for the last two years, as well as current figures that are no less than three months old
  • Statements of your home loan and any other loans you may have
  • Statements of your active credit cards and store cards
  • If you are renting you will need a copy of your recent rental lease, or if you are boarding you will need a letter from the owner
  • Details of the car you intend to purchase including make, model and price

Car Loan Offers

Important Information*
Logo for IMB New Car Loan
IMB New Car Loan

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.

Logo for Beyond Bank Low Rate Car Loan "Special Offer"
Beyond Bank Low Rate Car Loan "Special Offer"

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.

Logo for RACV New Car Loans
RACV New Car Loans

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.

Logo for NRMA New Car Loan
NRMA New Car Loan

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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    Default Gravatar
    June 11, 2014

    Is this loan available to refinance a current car Loan?

      Avatarfinder Customer Care
      June 11, 2014

      Hi Debbie,

      Thanks for your question.

      The main purpose of this loan is for a new car, or if the car is still under manufacturer warranty. However, if you would like to refinance and you’re happy with the minimum loan amount and loan term, you may want to contact FCCS to discuss your eligibility.


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