Car Loans

Fast pre-approvals to let you shop with confidence.

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Talk to a car loan specialist

A secured car loan is one where your car is used as security against the loan.

This means if you were ever unable to make your loan repayments, the lender could sell your car to recover the money they loaned you

An unsecured car loan means your car isn’t taken as security which means there’s much more risk involved for the lender. So, if you were ever unable to make your loan repayments, it’s a lot harder for lenders to get their money back.

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Compare Car Loans

What’s your Borrowing Power?

Find out now

Determine what amount a lender may lend you based on your income and expenses.

Ready to apply or want pre-approval?

Start application

Start your application online or call us on 13 8777.

Frequently asked questions

View all Loans FAQs

How much can I borrow for a car loan?

In order to work out how much you can borrow, it depends on a number of variables including your income and your savings. Call us on 13 8777 to find out more, or use our calculators to get an idea of how much you might be able to borrow.

Can I get a loan approved before I find the car I want to purchase?

Yes, you can get pre-approval in preparation for finding the wheels you want. Visit us at 400 King William Street, Adelaide or call us on 13 8777 for more information.

What are the current car or personal loan rates?

View all of our current interest rates. Calculate and compare personal loans.

Can I pay my loan off early at any time?

Yes, our Personal Loans offer flexible repayment options, no fees for extra repayments, and no fees for early repayment of loan in full.

How can I apply for a car loan?

You can apply for a Car or Personal Loan through any of the following methods.

Apply online

Or,

Use the online application service on Internet Banking
Make an appointment with one of our Mobile Lending Managers
Call us on 13 8777
Visit us at 400 King William Street, Adelaide

How often do I need to make repayments on my car loan?

Our car loans offer multiple repayments options. Please check the product details for weekly, fortnightly and monthly options.

I’m worried about repaying my loans and credit cards, how can you help?

If you’re worried about keeping up with your loan or credit card repayments, or something’s changed in your circumstances, you should always let us know.

Please visit our Financial Hardship Assistance page or contact us to discuss how best we can help – there are a range of ways we can support you. We know how difficult it can be to ask for help, but we care and we’re here to listen and help however we can.

Want to do more with your money?

How we

can help

Contact us

You can contact us by calling us, visiting us, making an appointment, or using Secure Mail.

Call us

We’re here to answer any questions you might have – make sure you have your Access Code ready!

Visit us

400 King William Street, Adelaide has self-service options available to make your life easier.

Mobile Lending Managers

Our Mobile Lending Managers can help our members by phone or email, with video calls now available.

INFORMATION YOU SHOULD KNOW

Conditions, fees and lending criteria apply and are available on request. Interest rates are subject to change without notice. Comparison rates are based on a $30,000 secured loan over 5 years. 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.

Knowledge Counts banking benefits are available to any current or retired employee of the South Australian education community and students carrying out studies in education, and their immediate family (parents, children, grandparents, grandchildren, siblings and partners only).

The special fixed rate personal loan and the online-only special fixed rate personal loan are available when secured by a new or used vehicle less than 5 years old. The fixed rate personal loan is available when secured by a vehicle between 5 and 10 years of age. The variable rate personal loan is unsecured.

The target market for this product can be found within the product’s Target Market Determination (TMD), available at creditunionsa.com.au/legal/terms-and-conditions/target-market-determination.

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The interest rate is fixed for the life of the loan up to a maximum of 7 years. For the Tesla Powerwall Loan, the rate is fixed for up to 5 years.

For new business only. To qualify for the online-only product, applications must be completed using the online form.