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FCCS Personal Loans

FCCS Credit Union makes sure its members are rewarded with its competitive personal loans.

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FCCS Credit Union

FCCS is a credit union that was established in 1974 by some employees of the Ford Motor Company. The main aim of any credit union is to operate in the best interests of its members, rather than to satisfy shareholders. Over the years, FCCS has grown into a successful banking institution that offers a wide range of products and services, including insurance, savings accounts and various types of loans.

FCCS offers two personal loans as borrowing options to its members. Features of these loans include a free online redraw facility, the option to make extra repayments free of charge, and flexible repayment options. If you're on the lookout an efficient lender, you may want to consider FCCS for your personal loan needs.

How do FCCS Personal loans compare?

Updated April 9th, 2020
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Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Application Fee Monthly Service Fee Monthly Repayment
FCCS Unsecured Personal Loan
From 10.95% (variable)
11.27%
$1,000
1 to 7 years
$195
Perfect for your dream holiday, kids education, a boat or caravan or to consolidate your debts.
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Updated April 9th, 2020
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Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Application Fee Monthly Service Fee Monthly Repayment
FCCS Affinity Car Loan
From 6.95% (variable)
7.22%
$5,000
Up to 7 years
$195
$0
Purchase a new car and be eligible for $50 cash back if you're successful.
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Updated April 9th, 2020
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Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Application Fee Monthly Service Fee Monthly Repayment
ING Personal Loan
8.99% (fixed)
9.13%
$5,000
2 to 5 years
$100
$0
You'll receive a fixed rate of 8.99% p.a.
Benefit from no ongoing fees, no early repayment fees and flexible loan terms on amounts up to $30,000.
Harmoney Unsecured Personal Loan
From 6.99% (fixed)
7.69%
$2,000
3 to 5 years
$500 ($200 for loans of below $5,000)
$0
You'll receive a fixed rate between 6.99% p.a. and 28.69% 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.
RateSetter Unsecured Personal Loan - 3yr Variable
From 7.37% (variable)
9.38%
$2,001
6 months to 5 years
$299 (Based on $10,000)
$0
You'll receive a variable rate between 7.37% p.a. and 14.99% p.a. based on your risk profile
A flexible loan with amounts from $2,001 and terms starting from 6 months. Interest and comparison rates calculated for a loan term of 3 years.
SocietyOne Unsecured Personal Loan
From 7.5% (fixed)
9.51%
$5,000
2 to 5 years
from 3% of loan amount
$0
You'll receive a fixed rate between 7.5% p.a. and 20.49% 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.
Wisr Personal Loan
From 7.95% (fixed)
8.78%
$5,000
3 to 5 years
$595 (Establishment Fee)
$0
You'll receive a variable rate between 7.95% p.a. and 19.45% 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.
Coles Personal Loan flybuys Members
From 9.99% (variable)
10.95%
$5,000
3 to 5 years
$199
$10
You will receive a variable interest rate between 9.99% p.a. and 17.99% p.a. based on your risk profile.
Borrow up to $50,000 and benefit from exclusive flybuys member interest rates, extra points and additional savings on your Coles groceries.
Symple Loans Personal Loan
From 5.75% (variable)
7.6%
$5,000
1 to 7 years
from 1% to 5% of the loan amount
$20
You'll receive a personalised interest rate from 5.75% p.a. to 19.99% p.a. based on your risk profile
Borrow up to $50,000 to pay for what you need.
Coles Personal Loan Non - flybuys Members
From 12.99% (variable)
13.93%
$5,000
3 to 5 years
$199
$10
You will receive a variable interest rate between 12.99% p.a. and 19.99% p.a. based on your risk profile.
Borrow up to $50,000 with additional rewards like flybuys points and savings on your Coles shopping.
CUA Unsecured Fixed Rate Personal Loan
9.89% (fixed)
10.14%
$5,000
1 to 7 years
$175
$0
You'll receive a fixed rate of 9.89% p.a.
An unsecured loan from $5,000 with flexible repayments and no monthly fee.
CUA Unsecured Variable Personal Loan
11.89% (variable)
12.15%
$5,000
1 to 7 years
$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.
CUA Discount Variable Personal Loan (Loans over $30,000)
10.89% (variable)
11.15%
$30,000
1 to 7 years
$175
$0
You'll receive a discounted variable rate of 10.89% p.a.
Borrow over $30,000 and receive a discounted interest rate. No monthly fees and a redraw facility also available.
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Awards

  • First Place in Money Magazine's Best of the Best Awards. FCCS has taken out first place for its Superfund Maximiser Account in 2009, 2010 and 2011.

Types of personal loans offered by FCCS

  • Home Improvements Loan. Are you looking to add any sustainable renovations to your house but aren't sure where you will be able to get the funds from? The FCCS Home Improvements Loan is designed for anyone needing to make improvements to their house. This could include things like installing solar panels, external awnings or rainwater tanks. The Home Improvements Loan has a competitive variable rate, plus it also comes with free online redraw and the option to make additional repayments without incurring any fees.
  • Personal Loan. If you're looking to buy a new car or even planning a holiday, FCCS offers a Personal Loan that could make your plans a reality. With free redraw, flexible repayment options and no penalties for additional repayments, this loan helps take the stress out of borrowing money. It also offers free EFTPOS and ATM transactions, as well as the option of variable or lump sum repayments. The loan has a variable interest rate, so you’re not locked in if the market rates drop, and a range of other flexible features.

Features and benefits of an FCCS personal loan

  • Variable or lump sum repayments. FCCS does not charge any extra fees for making additional payments. This means you can pay off your personal loan sooner.
  • Early repayment. Since you are able to make extra repayments, you can pay off the personal loan as early as you like. This could save you hundreds of dollars in interest in the long run.
  • Redraw facility. With an FCCS personal loan, you have the option to redraw on your extra repayments. If you’re a bit short on cash, you can take money out of the additional repayments you have made on the loan.
  • Automatic repayment tool. If you like sticking to a budget, this is a great tool for you. You can set up automatic repayments from your savings or transaction account. You can even sync this up to your payday so you don’t have to worry about falling behind on your repayments.
  • Minimum loan amount. The minimum amount you can apply for is $1,000. The maximum amount will depend on your current financial circumstances. If you need less than $1,000, you might like to consider applying for a MyCard Mastercard from FCCS.

What other products does FCCS offer?

  • Home loans. FCCS offers a range of home loans which includes products ranging from first home buyer loans to relocation home loans. The loans offer redraw facility and flexible repayment options.
  • Car loans. With an option to be used for either new or used cars, FCCS car loans offer competitive interest rates.
  • Insurance. FCCS offers many different types of insurance policies, including home and contents, car, travel and mortgage protection.
  • Savings and other accounts. With competitive interest rates and fees, FCCS offers savings accounts, term deposits and the award-winning Superfund Maximiser account.
  • Financial planning advice. If you need some assistance with budgeting, saving or even planning your retirement, FCCS offers financial planning advice to get your financial situation in order.

How to apply for a personal loan from FCCS

To apply for a personal loan you will need to be a member of FCCS. You can apply easily online and you will need to provide proof of identity (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, click ‘Go to Site’ to begin the application process. You will need to provide information including proof of regular income (pay slips), statements of other loans, statements of all credit cards, contact information, residential details, employment status and details of past debt.

Once you have submitted your application, you will be given a reference number and will be contacted by FCCS within 48 hours.

Personal Loan Offers

Important Information*
Logo for Harmoney Unsecured Personal Loan
Harmoney Unsecured Personal Loan

You'll receive a fixed rate between 6.99% p.a. and 28.69% 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.

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

You'll receive a fixed rate between 9.99% p.a. and 18.99% p.a. ( 10.66% p.a. to 19.59% p.a. comparison rate) based on your risk profile
An unsecured loan up to $55,000 you can use for a range of purposes and pay off over up to 7 years. Note: Majority of customers will get the headline rate of 12.69% p.a. (13.34% p.a. comparison rate) or less. See Comparison rate warning in (i) above. Application fee of $150 waived off.

Logo for SocietyOne Unsecured Personal Loan
SocietyOne Unsecured Personal Loan

You'll receive a fixed rate between 7.5% p.a. and 20.49% 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.

Logo for Pepper Money Unsecured Fixed Rate Personal Loan
Pepper Money Unsecured Fixed Rate Personal Loan

You'll receive a fixed rate between 7.95% p.a. and 16.95% p.a. based on your risk profile
A loan from $5,000 to use for a range of purposes. Make additional repayments or pay off the loan early, penalty-free.

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