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Personal Loans

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ECU offers competitive personal loans for any worthwhile purpose.

Yes Personal Loan

A multi-purpose secured personal loan which gives you the choice to use the funds for almost anything, including consolidating your debt, your next holiday or a new car!

  • No penalty for extra repayments
  • Access your extra repayments if you need to with our redraw facility
  • No monthly account keeping fees

View our interest rates

9.95% pa

10.31% pa1

comparison rate

apply now

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  More Info
Loan Type Yes Personal Loan
Minimum amount $1,000
Maximum amount $50,000
Loan period Up to 7 years
Repayments Weekly, fortnightly or monthly
Monthly fee No
Redraw facility Yes (Min $500)
Extra payments without penalty Yes
Early payout without penalty Yes
Loan Repayment Insurance available Yes
This table is provided as a guide only. Terms and conditions are available on application or request.

Unsecured Personal Loan

A personal loan that gives you the flexibility you’re looking for to make your dreams a reality. Whether its home improvements, a well-deserved overseas holiday or debt consolidation. We can make it happen sooner with our unsecured personal loan.

  • Borrow from $1,000 to $50,000
  • No penalty for extra repayments
  • No monthly accounting keeping fees

View our interest rates

11.95% pa

12.17% pa2

comparison rate

apply now

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  More Info
Loan Type Unsecured Personal Loan
Minimum amount $1,000
Maximum amount $50,000
Loan period Up to 7 years
Repayments Weekly, fortnightly or monthly
Monthly fee No
Redraw facility Yes (Min $500)
Extra payments without penalty Yes
Early payout without penalty Yes
Loan Repayment Insurance available Yes
This table is provided as a guide only. Terms and conditions are available on application or request.

Covered Personal Loan

Our Epic Personal Loan combines the benefits of a low rate, with something we hope you’ll never need, Loan Protection Insurance.

  • Epic Low Rate
  • Combined Loan Protection Insurance
  • No monthly account keeping fees

View our interest rates

7.95% pa

8.31% pa1#

comparison rate

apply now

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  More Info
Loan Type Covered Personal Loan
Minimum amount $1,000
Maximum amount $50,000
Loan period Up to 7 years
Repayments Weekly, fortnightly or monthly
Monthly fee No
Redraw facility Yes (Min $500)
Extra payments without penalty Yes
Early payout without penalty Yes
Loan Repayment Insurance available Yes
This table is provided as a guide only. Terms and conditions are available on application or request.

Covered Unsecured Personal Loan

Our Epic Personal Loan combines the benefits of a low rate, with something we hope you’ll never need, Loan Protection Insurance.

  • Epic Low Rate
  • Combined Loan Protection Insurance
  • No monthly account keeping fees

View our interest rates

9.95% pa

10.17% pa2#

comparison rate

apply now

calculate button

  More Info
Loan Type Covered Personal Loan
Minimum amount $1,000
Maximum amount $50,000
Loan period Up to 7 years
Repayments Weekly, fortnightly or monthly
Monthly fee No
Redraw facility Yes (Min $500)
Extra payments without penalty Yes
Early payout without penalty Yes
Loan Repayment Insurance available Yes
This table is provided as a guide only. Terms and conditions are available on application or request.

Overdrafts

ECU's Overdraft is a great alternative to a credit card. An overdraft can provide you with that extra financial security and peace of mind so that you can rest easy - just another way that ECU is providing easier, fairer banking.

  • No minimum repayment
  • $6 monthly account keeping fee
  • Link it to an Access Account for easy access

View our interest rates

From

14.75% pa

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  More Info
Loan Type Overdraft
Minimum amount $1,000
Maximum amount $20,000
Loan period No set term
Repayments Weekly, fortnightly or monthly
Monthly fees $6
Redraw facility No
Extra payments without penalty N/A
Early payout without penalty N/A
Loan Repayment Insurance available Yes
This table is provided as a guide only. Terms and conditions are available on application or request.

Questions?

If you have any questions, please contact us contact ECU

1 Comparison rate based on $30,000 over 5 years. These rates are for secured loans.
2. Comparison rate based on $30,000 over 5 years. These rates are for unsecured loans.
Warning: Comparison rates apply only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or cost savings such as fee discounts and waivers, are not included in the comparison rate but may influence the cost of the loan. Rates are subject to change, terms and conditions apply and are available on application. Fees and charges apply.
# Comparison rate does not include CCI. Terms and conditions apply “Covered” means that you have chosen to protect your loan with Consumer Credit Insurance (CCI) which is designed to meet your loan obligations and provide you with security that your commitment will be taken care of in the event of certain unforeseen circumstances including Involuntary unemployment, sickness and accident, trauma and death. If the CCI is cancelled for any reason, the annual percentage rate will increase. CCI is issued by CGU Insurance Limited ABN 27 004 478 371 AFSL No. 238291 (CGU). The insurer of the Life and Trauma cover is AMP Life Limited ABN 84079300379 AFSL No. 233671. CGU administers the Life and Trauma cover on behalf of AMP and CGU's liability under that policy is limited to the administration of that cover including the management of claims. This is general information only and may not suit your particular circumstances. Before making decisions about insurance products you should consider the appropriateness of the information having regard to your circumstances and the Product Disclosure Statement available from any office of ECU.