Borrow from $1,000 to $50,000

Spread your repayments over 1 to 5 years for loans of $15,000 or less, or over 1 to 8 years for loans over $15,000.

Funds transferred same day

Once approved, your money will be transferred into your account instantly. If your application is referred, we may require further information and your paperwork may need to be completed in branch or by post.

Get a quick decision

Apply in just a few minutes and get an instant credit decision.

Make overpayments or apply for additional borrowing

Make overpayments without charge, which may reduce the amount of interest you pay. Or, if you’ve already got an CCU Personal Loan, find out about topping up your existing loan.

Rate information

5.9% APR representative

This rate is available for loans between $10,000 and $30,000

*The rate is subject to change and the representative APR may not be the rate you'll receive. We'll offer you a rate based on our assessment of your personal financial circumstances. The maximum APR you could be offered is 18.9%.

Things to know about our personal loans
Who can apply?

You can apply if you:
hold an CCU Premier Account
are over 18
We don't offer Personal Loans for a number of purposes including:

• The purchase of property or land (both Residing & Overseas) including holiday homes and apartments


• purchasing a joint stake in a property or buying out a joint owner


• mortgage deposit (regardless of lender or country)


• gifting funds to third parties to support the purchase of a property, including mortgage deposit, stamp duty and solicitors fees


• gambling


• business purposes


• sharedealing