• 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 or caravan at a low rate.
    Interest rate
    An interest rate is the amount 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 combines the interest rate and any fees and charges that relate to a loan into a single percentage, based on repayment frequency and terms of the loan. This way the comparison rate helps you understand the true cost of a loan and allows you to compare loans between lenders more easily.
    % p.a.
    Loan size
    Minimum loan
    $
    +
    Key benefits:
    No monthly account fees
    Low rate for cars or caravans up to five 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
  • Discounted Personal Loan

    Our Discounted Personal Loan is free of ongoing monthly fees and offers flexible loan terms.
    A secured personal loan available for almost any purpose.
    Interest rate
    An interest rate is the amount 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 combines the interest rate and any fees and charges that relate to a loan into a single percentage, based on repayment frequency and terms of the loan. This way the comparison rate helps you understand the true cost of a loan and allows you to compare loans between lenders more easily.
    % p.a.
    Loan size
    Minimum loan
    $
    +
    Key benefits:
    No monthly account fees
    No fees for additional repayments or early payout
    Redraw facility against your extra loan repayments
  • Unsecured Personal Loan (Low Rate)

    A fixed rate for the life of your loan, flexible repayments, competitive interest rates and the freedom of no required security.
    A low rate unsecured personal loan available for almost any purpose.
    Interest rate
    An interest rate is the amount 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 combines the interest rate and any fees and charges that relate to a loan into a single percentage, based on repayment frequency and terms of the loan. This way the comparison rate helps you understand the true cost of a loan and allows you to compare loans between lenders more easily.
    % p.a.
    Loan size
    Minimum loan
    $
    +
    Key benefits:
    No fees for additional repayments or early payout
    Redraw facility against your extra loan repayments
    No monthly account fees
  • Unsecured Personal Loan

    A fixed rate for the life of your loan, flexible repayments, competitive interest rates and the freedom of no required security.
    An unsecured personal loan available for almost any purpose.
    Interest rate
    An interest rate is the amount 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 combines the interest rate and any fees and charges that relate to a loan into a single percentage, based on repayment frequency and terms of the loan. This way the comparison rate helps you understand the true cost of a loan and allows you to compare loans between lenders more easily.
    % p.a.
    Loan size
    Minimum loan
    $
    +
    Key benefits:
    No fees for additional repayments or early payout
    Redraw facility against your extra loan repayments
    No monthly account fees

Most popular questions

  • What is Responsible Lending?

    At People's Choice Credit Union 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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