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From 9.95% (variable)
Interest Rate (p.a.)
10.27%
Comparison Rate (p.a.)
$5,000
Min Loan Amount
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FCCS is now trading as Geelong Bank. All product information below is correct.
This loan is designed for anyone planning to make sustainable changes to their home, including things like installing a rainwater tank, solar panels, insulation and double glazed windows. The Home Improvement loan is a secured personal loan, which means you will need to offer an asset as security. The type of asset will vary depending on your own situation.
The variable interest rate of the Home Improvement loan means you are not locked into a fixed interest rate for the life of the loan. If market interest rates drop, you could save yourself some money over the life of the loan. You also save money with the free online redraw option and no penalty fees when making additional payments.
If you prefer not to offer an asset, you may want to consider the unsecured personal loan which can be used for anything from planning a holiday to consolidating your debts.
To apply for the Home Improvement secured personal loan, you will first need to be a member of the FCCS Credit Union. You can apply online by providing proof of your identity with a passport or birth certificate and your residential details. These details will need to be verified in a FCCS office.
If you are already a member, you can start your application online. You will need to provide proof of income including payslips, bank statements, statements of other loans, statements of all credit cards, contact information, residential details, employment status and details of past debt. The type and value of the asset you use as collateral will depend on your current financial situation.
Once you have submitted your application, you will be given a reference number and will be contacted by the FCCS within 48 hours.
Choosing a personal loan is an important decision and shouldn't be made lightly. It is imperative that you shop around and compare lenders to ensure that you are choosing the right loan for your needs.