• Get great rates to help you buy or refinance a Green Car.
    Apply online
    View the Green Car Loan details
    Interest rate
    An interest rate is the rate of interest you need to pay as the borrower to the lender. This is defined as a percentage of the loan amount and is usually expressed as an annual percentage.
    % p.a.
    Comparison rate
    A comparison rate includes the interest rate and any fees and charges that relate to a loan. The comparison rate also depends on repayment frequency and the term of the loan.
    % p.a.
    Loan size
    The minimum amount that needs to be borrowed for the loan.
    $
    +
    No monthly account fees
    No fees for additional repayments or early payout
    Flexible repayment frequency - pay weekly, fortnightly or monthly
    Low rate for cars up to seven years old^
    Redraw facility against your extra loan repayments
    Pre-approval valid for 90 days

  • Discounted Personal Loan (Car Loan)

    With no ongoing fees, pre-approval available and flexible terms, our Discounted Personal Loan (Car Loan) is designed to meet your needs and help you get on the road sooner.
    A personal loan to help you buy or refinance a car, caravan or motorcycle at a great rate.
    Apply online
    View the Discounted Personal Loan (Car Loan) details
    Interest rate
    An interest rate is the rate of interest you need to pay as the borrower to the lender. This is defined as a percentage of the loan amount and is usually expressed as an annual percentage.
    % p.a.$(DPL conditions)
    Comparison rate
    A comparison rate includes the interest rate and any fees and charges that relate to a loan. The comparison rate also depends on repayment frequency and the term of the loan.
    % p.a.
    Loan size
    The minimum amount that needs to be borrowed for the loan.
    $
    +
    No monthly account fees
    Low rate for cars, caravans or motorcycles up to seven years old
    Flexible repayment frequency - pay weekly, fortnightly or monthly
    No fees for additional repayments or early payout
    Redraw facility against your extra loan repayments
    Green Car Loan option

  • Unsecured Personal Loan

    A fixed rate for the life of your loan, flexible repayments, competitive interest rates and the freedom of no required security.
    A flexible unsecured personal loan available for a range of purposes. 
    Apply online
    View the Unsecured Personal Loan details
    Interest rate
    An interest rate is the rate of interest you need to pay as the borrower to the lender. This is defined as a percentage of the loan amount and is usually expressed as an annual percentage.
    % p.a.
    Comparison rate
    A comparison rate includes the interest rate and any fees and charges that relate to a loan. The comparison rate also depends on repayment frequency and the term of the loan.
    % p.a.
    Loan size
    The minimum amount that needs to be borrowed for the loan.
    $
    +
    No fees for additional repayments or early payout
    No monthly account fees
    Redraw facility against your extra loan repayments
    Flexible repayment frequency - pay weekly, fortnightly or monthly
    Pre-approval valid for 90 days
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By submitting this form, you acknowledge you understand and agree to the Privacy Notice below
^Privacy Notice: People’s Choice Credit Union is collecting the above information so that we may respond to your enquiry and provide information in relation to products and services we provide. We will only use this information, unless you are already a member or subsequently decide to obtain a service or product from us,  to respond to your enquiry and to contact you from time to time to provide you with information about services and products which may be of interest to you (including products and services of third parties). We may not be able to contact you if you do not provide to us this information. You can opt out of receiving direct marketing from us at any time. We disclose your personal information to relevant members of our staff. We may also disclose your personal information to agents, contractors, government agencies and bodies  who assist us in our dealings with you. Our Privacy Policy (which you can obtain at this link, in branch or by contacting us on 13 11 82 and asking for a copy) contains more information on how you can access and correct your personal information, how we use your personal information (including how to opt out of marketing), how to complain if you believe we’ve breached our privacy obligations, and how we deal with complaints. It also provides more detail on how we manage and protect your personal information if you are interested. People's Choice address is 50 Flinders St, Adelaide, 5000.

Most popular questions

  • What is Responsible Lending?

    At People's Choice we understand that credit is a very important facility which allows you to achieve your personal, financial or lifestyle goals faster than you could if you had to rely on your savings alone.

    As a mutually owned financial institution we embrace our responsibility to understand your personal situation when we make recommendations regarding providing, extending or arranging credit for you. This is to ensure you are reasonably likely to meet the obligations you have in respect of repaying the debt and avoid experiencing financial stress.

    But we recognise that situations may change from time to time which may inhibit your ability to meet your credit repayment obligations. We understand the pressures that you and your family may experience during these difficult times and we work with you to find a mutually acceptable solution to aid in your overall debt management strategies and to continue to work with you to achieve your financial goals.

  • How do I find out a payout figure on my personal loan?

    We can give you a payout figure for any set date by calling us on 13 11 82 or visiting your local branch. This payout figure will only be valid for the date requested. The balance that you view in internet banking does not include any interest accrued.

  • Will my credit rating be affected if I access assistance?

    Getting on top of your financial difficulties early is the best way to make sure your credit history remains in good condition. Get in touch with us as soon as you think you might have difficulty meeting your repayments so we can start working together on a solution.

  • I'm after some information on managing payments to my People's Choice loan or credit card. Who do I call?

    You can call People's Choice Credit Union on 08 8124 2148 . For more information, visit the Customer-Owned Banking Association website or you can call The National Debt Helpline on 1800 007 0078 from anywhere in Australia to talk to a free and independent financial counsellor.

  • How do I refinance a personal loan?

    To refinance an existing personal loan from People’s Choice or from another financial institution, to a personal loan with People’s Choice, you will need to apply to refinance either online, by calling us on 13 11 82 or by visiting your nearest branch.

    During your application you will be required to provide some documentation so we can assess your situation. Examples include:
        - Loan repayment history for the previous three months
        - Bank statements

    If you are applying to refinance online, please select Refinance as loan purpose on the online application form.

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