Unsecured Fixed Personal Loan

Fixed interest rate

9.75% p.a.

Comparison rate*

10.04% p.a.

For new fixed loans $2k to under $50k

apply now calculate repayments

what's included.

I'm making plans and I need a simple personal loan to help make my dreams a reality. Enjoy the perks of an Unsecured Fixed Personal Loan, like:

The choice is yours.

We give you the option to make additional repayments.


Easy access to your cash with our redraw facility.

Keep your cash.

No monthly account keeping fees.

Manage it your way.

Track your loan with e-statements, internet banking & our moneytree app.

calculate your repayments.

Enter amount $2k to under $50k to get started

loan amount

loan type



Fixed interest rate

9.75% p.a.

Comparison rate*

10.04% p.a.
#Note: The results from this calculator should be used as an indication only. Results do not represent either quotes or pre-qualifications for a loan. Illawarra Credit Union may not provide loans with the details indicated in the calculator. The specific details of your loan will be provided to you in your loan contract. It is advised that you consult your financial adviser before taking out a loan. Fees & charges may apply.

apply for a loan online

are you?

  • At least 18 years old
  • An Australian citizen or permanent resident.

Do you have?

  • About 20 minutes
  • Documents to prove your identity (POI)
  • Your membership number if you already bank with us.

select get started.

After you apply, one of our lenders will be in touch within 1 business day.

get started

Interest & fees

Interest is calculated daily on the outstanding balance and charged monthly in arrears on the last day of each month. The loan application fee is $200.

Refer to our Credit Fees and Charges brochure brochure for more information and to our rates and fees for current interest rates.

To reduce or cancel your credit limit, click here.



Interest rate Comparison rate*
9.75% p.a. 10.04% p.a.


important notes

*Comparison rate is calculated on an unsecured loan amount of $30,000 over a term of 5 years.  WARNING: This comparison rate is 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. Eligibility criteria, terms & conditions, fees & charges apply. Please refer to the Credit Fees and Charges brochure. 

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We're here to help you find the right loan that can have you driving a new set of wheels sooner.