CUA Unsecured Fixed Personal Loan


A fixed rate personal loan is a great way to reach your goals. Plus, you’ll enjoy the certainty of always knowing how much your repayments will be.


Fixed rate
9.89% p.a.
Comparison rate
10.14%p.a.^
Establishment Fee
$175
Monthly Service Fee
$0

Get a low fixed rate with no monthly fees

  • Fixed Interest Rate
    9.89% p.a.
  • Comparison Rate
    10.14 p.a.^
  • Establishment Fee
    $175
  • Monthly Service Fee
    $0
  • Early payout fee
    $0


Secure online application


  • Clicking the Apply Now button will take you to your Online Application on the bank's website.
  • Your application will take less than 10 minutes to complete

CUA Unsecured Fixed Personal Loan

Apply now

How to apply for a CUA Unsecured Fixed Personal Loan

Thinking about applying for the CUA Unsecured Fixed Personal Loan? Check out the application criteria below and hit ‘apply’ to be redirected to the lender’s application page.



Application criteria

To apply online for this loan, you must:

  • Be at least 18 years of age,
  • Be a permanent resident of Australia,
  • Be currently employed,
  • Receive a regular income,
  • Have not declared bankruptcy or insolvency, or had defaults on any loans, credit cards, interest free finance or store cards in the past five years.

Required information

  • Your employment and income details,
  • Your asset details including house, land, vehicles, contents, money, shares and super,
  • Any amount owing on loans, overdrafts, credit/store cards (including limits and repayments),
  • Your Australian driver's licence (if you have one),
  • Your Medicare card (if you have one),
  • Your passport (if you have one).

If you think this personal loan could be a good fit, apply now to start the application process.

Some benefits of the CUA Unsecured Fixed Personal Loan

  • Flexible loan terms ranging from 1-7 years
  • Borrow from $5,000 up to $50,000
  • No monthly fees
  • Flexible repayment options: weekly, fortnightly or monthly
  • No penalty for making extra repayments or paying off the loan early
  • Access your cash via redraw
  • With a fixed rate, repayments are the same each month, making budgeting easier

The CUA Unsecured Fixed Personal Loan

This personal loan from CUA allows you to borrow between $5,000 and $50,000, offering you a fixed rate and flexible repayment options, making budgeting easier to manage.

What we love...

One of the first things you will likely notice about the CUA Unsecured Fixed Personal Loan is the fact that it offers a fixed rate. Choosing a fixed rate loan over a variable rate loan can offer a number of benefits. Why? The interest on a variable rate can change according to the market, while a loan with a fixed rate will have the same interest rate through the entire loan term.

Firstly, this allows you to lock in one rate for the period of your loan. If interest rates start rising, you know your rate will remain the same no matter what. Secondly, it makes budgeting so much easier. With a fixed rate, you know exactly how much your repayment will be, so you can budget for that amount coming out of your account. Lastly, you will know how much you will pay back on the loan overall, which can make comparing loan options easier.

In terms of flexibility, the CUA Unsecured Fixed Personal Loan has plenty to offer. You can choose a loan amount that suits you and your budget – anywhere between $5,000 and $50,000 – over a loan term of one to seven years. You can also choose how frequently you want to make repayments, whether that’s weekly, fortnightly or monthly.

But the flexibility doesn’t stop there. You can make extra payments on your loan whenever you want, with no penalty. Then, if you want access to your extra cash, you can use the redraw feature. You can even pay off your loan early if you come into some money, with no early payout fees to worry about.

What’s not so great...

When comparing personal loans, you should always pay attention to any fees that will be applied to the loan, as this helps you to work out its affordability. Like many personal loans, the CUA Unsecured Fixed Personal Loan charges an establishment fee, which should be taken into account when budgeting. However, it is worth pointing out that there are no ongoing fees, no early payout or extra repayment fees to cover.

Another factor to consider is interest. Locking in your interest rate with a fixed rate loan can work in your favour if interest rates rise, but if they fall, you could be missing out on lower rates applied to variable rate loans. That’s why it’s a good idea to do your homework and consider the market before making any decision.

CUA Unsecured Personal Loans

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Why should you choose this personal loan?

If you’re looking to borrow between $5,000 and $50,000 and would prefer an unsecured option, this personal loan could help you with whatever you’re looking to cover – whether that’s a holiday or home renovations. With its fixed rate, it would work well for those who want to know exactly how much each repayment will be, and how much the loan will cost overall.

Its flexibility also means it could appeal to a wide range of potential borrowers. Both the loan period and repayment frequency can be adjusted to suit the borrower, making it easier to fit individual budgets. Want to pay off your loan sooner? Opt for the shortest loan term that offers affordable repayments. Want to make sure you have money in your account to cover your repayment? Choose a repayment schedule that matches your payday.

Overall Rating

The CUA Unsecured Fixed Personal Loan offers a fixed rate, making budgeting easier, with flexible repayment options and loan terms, no monthly fees, no early payout fees and no extra repayment fees.

Other Pros

  • Budget confidently with a fixed rate
  • Unlimited free extra repayments
  • No monthly fees or early payout fee
  • Flexible repayment options

Cons

  • $175 Establishment fee

CUA Unsecured Personal Loan