PERSONAL LOAN

PERSONAL LOAN
Category: Personal Loans  Last Updated April 12, 2022  Effective July 4, 2025

 General Lending Rates

Rates listed below are for a VARIABLE product. Additional Information This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts may result in a different comparison rate.
Interest Rate
5.95% PA
Comparison Rate
0.00%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.

 Product Features

  • Redraw Additional Information: Redraw of repaid principal above minimum required is available
  • Digital Banking Additional Information: Access is available to online banking features for the product
  • Npp Enabled Additional Information: An account of this product type can be used to receive funds as a result of a BSB/Number based NPP payment
  • Npp Payid Additional Information: An account of this product type can be used as the target of an NPP PayID
  • Notifications Additional Information: SMS and/or email notifications available

 Product Eligibility

  • Residency Status Additional Information: Individuals must be citizens or permanent residents of Australia.
  • Other Additional Information: You will need to become a member of the Credit Union before The Capricornian can accept a loan application.

 Bank Fees and Charges

  • Establishment Fee Personal Loans And Overdrafts (Upfront), Amount: 250.00.
  • Contract Variation Fee-personal Loans And Overdrafts (Event), Amount: 100.00.
  • Staff Assisted Loan Redraw (Withdrawal), Amount: 30.00.