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Unsecured Variable Personal Loan
For loans from $5,000 - $60,000
Comparison rate*
Why choose an Unsecured Variable Personal Loan

With a variable personal loan, you’ll get a competitive rate and the flexibility to make fee-free extra repayments to help you pay your loan off sooner.

Our easy redraw facility means that you can access your additional payments should you need some breathing space.

Features & benefits
Monthly Fees
You can enjoy having a little extra money in your pocket.
Unlimited extra repayments
Make extra repayments without any fee, and pay your loan off sooner.
Flexible repayment options
Choose to make either monthly, fortnightly or weekly repayments to suit your income and budget.
No penalties for early payout
Pay off your loan sooner without being charged a fee.
Easy access to funds with redraw
Enjoy access to your additional repayments with redraw, so you can use it whenever unexpected costs arise.**

Rates and fees

Getting ahead on your finances shouldn't cost you money. That's why we don't charge you for making extra repayments, paying your loan off early or unnecessary monthly fees.

Interest Rate

Comparison rate*


Establishment fee
Monthly fee
Early payout fee
Total fees
Calculate my repayments
Whatever your next goal is, our repayments calculator can help you find the personal loan that best suits your needs.***
Not sure if this is the right loan for you?

We can help you pick the right one to suit your needs.

Apply online
Ready to apply? You can apply online today
The process
1. Check your eligibility
There are a few eligibility requirements you should be aware of before applying for a CUA Personal Loan.
2. Apply online
It should take about 20 minutes. You will need proof of ID and all current financial information.
3. Approvals
If approved, you will receive your loan contract to accept online.
4. Access your money
Your loan is paid into your CUA account.~
You can also view repayment details online and on our mobile banking app.
  • You must be at least 18 years of age.
  • Be a permanent resident of Australia.
  • Receive a regular income.
  • Have not been bankrupt or insolvent in the last five years.
What will you need:
  • An email address and contact number.
  • Existing CUA Member number (If you're a CUA Member).
  • Australian driver's licence, Medicare or passport details.
  • Employment and income details.
  • Details of your assets, expenses and liabilities.
Get in touch
More ways to apply for a CUA personal loan
Call 133 282

Mon - Fri: 8:00am - 7:00pm (AEST)
Sat: 8:00am - 4:00pm (AEST)

Find a branch
Speak to one of our friendly staff at a branch near you.
Chat with iMCUA
Use our app to chat

Learn more about personal loans

Handy tips to help you find the loan that's right for you

Applying for a personal loan – what’s the process?

Do you need some money for personal reasons? A trip? Some renovations at home? How do you go about getting a personal loan? We can help.

What’s the difference between the interest rate and comparison rate?

Knowing the difference between the interest rate and comparison rate on a loan means making a fully informed decision is that bit easier.

Secured versus unsecured personal loan

What's the difference between a secured and unsecured personal loan and what should you consider when choosing between the two?

Important Information

Loans are issued by Credit Union Australia Ltd ABN 44 087 650 959, AFSL and Australian Credit Licence 238317. Lending criteria, limits, conditions and fees apply.
Rates current as at 14 May 2021 and subject to change.

Your loan contract will state the minimum monthly repayment amount. You can arrange with us to make repayments on a weekly or fortnightly basis.

* Comparison rate calculated on a loan amount of $30,000 over a term of 5 years based on monthly repayments. Rates are for unsecured loans only. WARNING: Comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

** A $200 minimum withdrawal amount applies for redraws conducted in-branch. Redraw facility is available for CUA Personal Loan products on offer from 6 June 2017.

$1,000 minimum loan amount and $100,000 maximum loan amount available in branch. $5,000 minimum loan amount and $60,000 maximum loan amount available online. Available loan term is 1 to 7 years.

~ You will need to hold a CUA everyday account when the loan is funded.