First Credit Union Loans
Our loans have competitive interest rates, easy repayment options and no application fees - which could save you hundreds.
Apply for a loan online and get a quick answer or apply at one of our branches.
Click here to see a quick video about our online loan application process.
Please note: There has been an update to legislation which changes how we can lend you money. For more information about these changes, click here.
Our personal loans offer competitive interest rates, flexible repayment options and NO application fees. Find out more about them here.
Combine all of your debt into one easy to manage debt consolidation loan. Apply for a debt consolidation loan today - you will be in control of your debt in no time!
Looking for a new car? Get a pre-approved vehicle loan with us and you'll be driving away in your new car before you know it!
Apply for a First Credit Union home loan and you'll pay no application fee. We can
pre-approve your home loan before you start looking so you know how much you can spend.
What you'll need
Find out what you need to apply! Our online personal loan application is simple to complete.
Check out the important stuff
*Normal lending criteria apply and T&Cs apply.
Normal floating rates range from 10.95% p.a. variable to a maximum of 18.00% p.a. variable
Minimum loan term 3 months. Maximum loan term 7 years.
No application fees and no early repayment penalties.
^Third-party fees such as credit check, credit sense, motor check, PPSR, Docusign and cloudcheck of up to $29.90 per applicant may apply. View our rates and fees here.
Example of the total cost of a loan
When getting a loan it is important to consider the costs involved.
Here is an example of the total cost of a secured car loan:**
Borrowing $10,000 Application fee $0 Third party fee^ $29.90 Total $10,029.90 Total interest $2,393.94 Total amount payable $12,423.84
Over a 4 year term at 10.95% p.a variable rate, weekly repayments would be $59.73.
**Figures are an indication only and does not include loan protection insurance.
^Third party fees of up to $29.90 for Credit Check, Credit Sense, Motor Check, PPSR, Docusign and Cloudcheck per applicant may apply.