First Credit Union Loans

Borrow for less with a loan from First Credit Union.

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.

Check out the important stuff
  • Important Information

    *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.