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People’s Choice Unsecured Personal Loan

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People's Choice CU Unsecured Personal Loan (Low Rate)

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Interest Rate (p.a.)
8.99%
Comp. Rate (p.a.)
10.73%
Min Loan Amount
$2,000

Summary

Take advantage of pre-approval and flexible repayments with this unsecured personal loan from People’s Choice Credit Union.

If you’re looking for flexible loan to renovate your home, consolidate your debt or for anything else, you may want to consider this unsecured personal loan from People’s Choice. The loan amounts that you can apply for start as low as $2,000 and can go as high as $40,000.

3 things you should know about this loan

  • Flexible repayments. You can choose your repayment frequency – weekly, fortnightly or monthly – and you're able to make additional repayments or repay the loan early without penalty. A redraw facility is also available.
  • High establishment fee. There is a $250 application fee attached to this loan.
  • Various loan amounts available. Apply for between $2,000 and $40,000.

Pros

  • Fixed interest rate
  • Flexible repayments
  • Redraw facility

Cons

  • High establishment fee

In this guide

  • Review
  • Details
    • People's Choice CU Unsecured Personal Loan
  • Your reviews
  • Ask a question

Details

People's Choice CU Unsecured Personal Loan

Product Name People's Choice CU Unsecured Personal Loan
Interest Rate (p.a.) 8.99%
Comp. Rate (p.a.) 10.73%
Interest Rate Type Fixed
Min Loan Amount $2,000
Max. Loan Amount $40,000
Loan Security Unsecured

Main points to consider with this personal loan

This loan is unsecured and you can apply for between $2,000 and $40,000. You won't pay any monthly fees and if you apply for a People's Choice Zip account you will also pay $0 monthly fees on your account, saving you $72 a year.

Your interest rate will be fixed for the duration of your loan term, which can extend up to 7 years. You can make extra repayments and repay your loan early without penalty. Pre-approval is available with this personal loan and remains valid for 90 days.

Features of the People's Choice Credit Union Unsecured Personal Loan

The following are some of the features that come with this unsecured personal loan:

  • Fixed interest rate. This loan comes with a fixed interest rate that will be confirmed when you apply.
  • Available rates. Depending on your creditworthiness, you'll receive a rate of 8.99% p.a. (comparison rate 10.73% p.a.)
  • No monthly fees. There are no monthly fees associated with this loan.
  • Flexible repayments. You can choose weekly, fortnightly or monthly repayments.
  • Redraw facility. You can make extra repayments and redraw the funds whenever you need them.
  • Access to online banking. You will have easy access to your money through online banking, which allows you to redraw any extra repayments that you've made with ease.
  • Loan term options. Loan terms run from 1 to 7 years.
  • Loan amounts. With this loan, you are able to apply for a minimum of $2,000 and a maximum amount of $40,000.
  • No penalties for early payout or additional repayments. You won't incur a fee for paying off your loan early or for making additional repayments.
  • Pre-approval. You can get your loan pre-approved for 90 days, which will give you an idea of how much you can borrow.
  • Fee structure. There is a $250 application fee for this loan.

How to apply for the People's Choice Credit Union Unsecured Personal Loan

To apply for this loan, you simply click on "Go to Site" and ensure you meet the following requirements:

  • You must be 18 or older
  • You must share you residential and employment details for the last three years
  • You must have a stable income

The documents you need for this application include the following:

  • Income details. These include pay slips, child support statements, pension statements, allowances, rental income and commissions.
  • Expense details. These include utility bills, rent or board payments, loan repayments, credit card repayments, maintenance payments and lease payments.
  • Asset information. This includes savings, the value of any motor vehicles you may own and information on shares, bonds or property that you own.
  • Proof of ID. This includes your Australian driver's licence number and expiry.

Although there are a number of benefits to choosing this personal loan, it's important to compare personal loans and choose one that meets your current financial situation.

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Courtney Finder

Graduate publisher

Hi there, looking for more information? Ask us a question.

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Tamika

May 03, 2018

Yes, I need a loan, please.


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Jeni Velasco Finder

May 04, 2018

Hi Tamika,


Thank you for getting in touch with Finder.


If you are considering taking a loan with People’s Choice, kindly visit their website or call them directly. Please ensure you meet the criteria above and supply the documents they need before applying.


You can also visit our list of unsecured personal loans to compare lenders that will allow you to borrow funds without using an asset as collateral. Please use our comparison table to help you find the lender that suits you. When you are ready, you may then click on the “Go to site” button and you will be redirected to the lender’s website where you can proceed with the application or get in touch with their representatives for further inquiries you may have.


As a gentle reminder, please ensure that you read through the relevant Product Disclosure Statements/Terms and Conditions when comparing your options before making a decision on whether it is right for you. You can also contact the provider if you have specific questions.


I hope this helps.


Have a great day!


Cheers,

Jeni


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