Car Loans

Found the car of your dreams?

We can help with a First Credit Union Car Loan!

Get approval before you buy with a secured Car Loan starting from 9.95% p.a variable.* Our car loans have terms up to 5 years, you can make extra repayments and pay off the loan early with no penalty. We also charge no application fees!


Start your application now!


You are protected by responsible lending laws. Because of these protections, the recommendations given to you about our personal loans are not regulated financial advice.

This means that duties and requirements imposed on people who give financial advice do not apply to these recommendations. This includes a duty to comply with a code of conduct and a requirement to be licensed.



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Important Information


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

+ $0 application fee (we don’t charge one)

+ $30.75 Third party fees^


Total Interest =$2,137.25

Total amount payable =$12,168

Over a 4 year term at 9.95% p.a variable rate, weekly repayments would be $58.50.

**Figures are an indication only and does not include loan protection insurance.


*Normal lending criteria apply and T&Cs apply. 

Normal floating rates range from 9.95% p.a. variable to a maximum of 18.00% p.a. variable

No minimum loan term. Maximum loan term 7 years.

No application fees and no early repayment penalties. 

^Third-party fees such as cloud check, credit check, vehicle check and registering security over a vehicle may apply. View our rates and fees here.


Note: If you get a car loan, your vehicle must be insured - either with our First Credit Union Insurance or another insurance provider. Proof of insurance must be supplied before the loan is advanced to you and First Credit Union must be noted as the Secured Interest.