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CUA

CUA Personal Loans

Choose between a fixed or variable rate unsecured personal loan. Borrowing limits and interest rates depend on the type of rate chosen.

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  • COVID-19 Update

If you're struggling to repay your personal loan, you can get in touch with the bank directly or read our guide.

  • 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, which recently rebranded as the Great Southern Bank, is Australia’s largest consumer owned financial institution. They offer an unsecured personal loan with a choice between fixed and variable rates. They also have a secured fixed car loan. Interest rates for the fixed loan is lower than the variable loan, but the borrowing limit is capped at $50,000, while for the variable rate loan it is $60,000. The interest rate for the fixed loan is 9.39% p.a., while it is 11.89% p.a. for the variable rate. While there are no monthly ongoing fees, there is an establishment fee of $175.

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Name Product Mobile details underline Interest Rate (p.a.) Comp. Rate (p.a.) Rate Type Application Fee Monthly Fee Monthly Repayment
CUA Unsecured Fixed Rate Personal Loan Fixed, 1 - 7 Years, $5,000 - $50,000
CUA Unsecured Fixed Rate Personal Loan
1 - 7 Years, $5,000 - $50,000
9.39%
9.64%
Fixed
$175
$0
You'll receive a fixed rate of 9.39% p.a.
An unsecured loan from $5,000 with no monthly or establishment fees and flexible repayments.
CUA Unsecured Variable Personal Loan Variable, 1 - 7 Years, $5,000 - $60,000
CUA Unsecured Variable Personal Loan
1 - 7 Years, $5,000 - $60,000
11.89%
12.15%
Variable
$175
$0
You'll receive a variable rate of 11.89% p.a.
Borrow from $5,000 with the option for flexible repayments and no monthly fees.
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  • Fixed rate personal loan. Use the CUA fixed rate personal loan for almost anything, from debt consolidation to purchasing a new car. The repayments are fixed for the life of the loan. Make as many extra repayments as you want on this fixed rate loan and pay no penalties if you pay it off sooner than expected.
  • Variable rate personal loan. With no monthly fees and a competitive interest rate over the life of the personal loan, you can make all the extra repayments you can afford. CUA won't charge if you are able to complete the loan terms before the expected time. The CUA variable rate personal loan can even be used to combine your other higher interest debts into this one account and pay off all of your liabilities quickly.
  • Fixed rate car loan. CUA also offer a product specifically designed for the purchase of a vehicle. Enjoy your new vehicle with the peace of mind that steady repayments give you. This fixed rate personal loan for car purchases doesn't charge monthly fees and offers a competitive interest rate.

Features and benefits of a CUA personal loan

  • Competitive fixed rate. You'll receive a fixed interest rate that remains the same for the duration of the loan.
  • Unlimited extra repayments. With all of the personal loan products offered by CUA, you can repay as much as you like, as often as you like. If you pay off the balance of the loan before your scheduled time, you will not be charged any extra fees or penalties.
  • Monthly fees. You won't pay any monthly fees if you hold any personal loan offered by CUA.
  • Various loan options. There are fixed, variable and secured loan options to choose from, making these loans suitable for a variety of different situations and borrowers.
  • Fast response on your application. There's no need to wait long to find out how your application went – you'll hear from CUA 30 seconds after you complete your application.

What other products does CUA offer?

  • Home Loans. With a range of home loans from variable to fixed rate, you could get into your dream home sooner.
  • Business banking. You can find the funding you need to start or sustain your business using the business banking products that CUA has available.
  • Transaction accounts. Everyday banking needs are taken care of with a line of accounts that don't carry any monthly fees while offering a wide range of options.
  • Insurance. There is an insurance cover for all of your needs, including personal medical insurance.
  • Savings accounts. A variety of savings accounts are available, including one designed to encourage young people aged 10 to 17. It teaches kids about how to enjoy the benefits of saving.

How to apply for a personal loan from CUA

If you're ready to apply for a personal loan from CUA, just click "Go to Site" to get your application started. Check that you meet the following eligibility before you begin the application:

  • Age. You must be at least 18 years of age.
  • Residency. All applicants must be Australian citizens or permanent residents.
  • Credit. You must not have had any defaults on a credit product including a credit card or other loan in the past five years.

Make sure you have the following documentation close by for quick reference:

  • Identification. You will need a valid form of photo ID such as a driver's license or passport.
  • Assets. A list of your assets including savings accounts and investments.
  • Income. Details regarding your income.
  • Liabilities. Your other debts from loans and credit cards.

CUA offers one solution to your personal financing needs, so remember to compare your options before you apply.

More guides on Finder

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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 19.09% p.a. based on your risk profile.
Apply for a loan up to $70,000 and repay your loan over 3, 5 or 7 years terms.

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

You'll receive a fixed rate between 6.49% p.a. and 15.99% p.a. ( 7.41% p.a. to 16.84% p.a. comparison rate) based on your risk profile
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 6.95% p.a. and 22.49% 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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2 Responses

  1. Default Gravatar
    FionaMarch 29, 2017

    I’m after a loan to consolidate my bills also to have my teeth fixed roughly $6000 with a low rate over 4 yrs is this possible tia

    • Default Gravatar
      ChesterMarch 30, 2017

      Hello Fiana,

      Thanks for your question.

      If you are looking for a personal loan that may help you with your current situation, you may check your available options from https://www.finder.com.au/personal-loans/low-interest this page showcases some of the available low interest personal loans that may help you with your current situation. Though please make sure to check the requirements before applying or may give them a call first to know your eligibility. By doing so, you may be able to avoid adding all of your sent personal loan applications to your credit history.

      I hope this helped.

      Regards.
      Chester

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