People’s Choice Unsecured Personal Loan

Main points to consider with this personal loan

This loan is unsecured and you can apply for between $2,000 and $40,000. You won't pay any monthly fees and if you apply for a People's Choice Zip account you will also pay $0 monthly fees on your account, saving you $72 a year.

Your interest rate will be fixed for the duration of your loan term, which can extend up to 7 years. You can make extra repayments and repay your loan early without penalty. Pre-approval is available with this personal loan and remains valid for 90 days.

Features of the People's Choice Credit Union Unsecured Personal Loan

The following are some of the features that come with this unsecured personal loan:

• Fixed interest rate. This loan comes with a fixed interest rate that will be confirmed when you apply.
• Available rates. Depending on your creditworthiness, you'll receive a rate of 8.99% p.a. (comparison rate 10.73% p.a.)
• No monthly fees. There are no monthly fees associated with this loan.
• Flexible repayments. You can choose weekly, fortnightly or monthly repayments.
• Redraw facility. You can make extra repayments and redraw the funds whenever you need them.
• Access to online banking. You will have easy access to your money through online banking, which allows you to redraw any extra repayments that you've made with ease.
• Loan term options. Loan terms run from 1 to 7 years.
• Loan amounts. With this loan, you are able to apply for a minimum of $2,000 and a maximum amount of $40,000.
• No penalties for early payout or additional repayments. You won't incur a fee for paying off your loan early or for making additional repayments.
• Pre-approval. You can get your loan pre-approved for 90 days, which will give you an idea of how much you can borrow.
• Fee structure. There is a $250 application fee for this loan.

How to apply for the People's Choice Credit Union Unsecured Personal Loan

To apply for this loan, you simply click on "Go to Site" and ensure you meet the following requirements:

• You must be 18 or older
• You must share you residential and employment details for the last three years
• You must have a stable income

The documents you need for this application include the following:

• Income details. These include pay slips, child support statements, pension statements, allowances, rental income and commissions.
• Expense details. These include utility bills, rent or board payments, loan repayments, credit card repayments, maintenance payments and lease payments.
• Asset information. This includes savings, the value of any motor vehicles you may own and information on shares, bonds or property that you own.
• Proof of ID. This includes your Australian driver's licence number and expiry.

Although there are a number of benefits to choosing this personal loan, it's important to compare personal loans and choose one that meets your current financial situation.

Compare Personal Loans

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Name	Interest Rate (p.a.)	Comp. Rate (p.a.)	Application Fee	Monthly Fee	Monthly Repayment
NOW Finance No Fee Unsecured Personal Loan Finder award winnerFixed18 Months - 7 Years $5,000 - $50,000	Interest Rate (p.a.) 6.75% to 26.95%	Comp. Rate (p.a.) 6.75% to 26.95%	Application Fee $0	Monthly Fee $0	Monthly Repayment $922.89	Go to siteMore Info Compare
OurMoneyMarket Personal Loan Fixed1 - 7 Years $2,001 - $75,000	Interest Rate (p.a.) 6.57% to 18.99%	Comp. Rate (p.a.) 7.19% to 21.78%	Application Fee 1.50% - 6% min. $250	Monthly Fee $0	Monthly Repayment $934.23	Go to siteMore Info Compare
Harmoney Unsecured Personal Loan Finder award winnerFixed3 - 7 Years $2,000 - $70,000	Interest Rate (p.a.) 5.76% to 24.03%	Comp. Rate (p.a.) 6.55% to 24.98%	Application Fee $275 - $575	Monthly Fee $0	Monthly Repayment $926.83	Go to siteMore Info Compare
Citi Personal Loan Plus Variable3 - 5 Years $2,000 - $55,000	Interest Rate (p.a.) 10.90%	Comp. Rate (p.a.) 11.19%	Application Fee $199	Monthly Fee $10	Monthly Repayment $997.25	Go to siteMore Info Compare	Special Offer: Monthly Fee of $10 waived for applications submitted before 30 June 2024.
Latitude Variable Rate Personal Loan Variable2 - 7 Years $5,000 - $70,000	Interest Rate (p.a.) 9.49% to 29.99%	Comp. Rate (p.a.) 10.37% to 30.69%	Application Fee $0	Monthly Fee $13	Monthly Repayment $973.85	Go to siteMore Info Compare	Special Finder offer: $395 establishment fee waived for approved personal loan applications submitted through Finder. Latitude may withdraw offer at any time. T&Cs apply.
NAB Personal Loan Unsecured Fixed Fixed1 - 7 Years $5,000 - $55,000	Interest Rate (p.a.) 6.99% to 20.49%	Comp. Rate (p.a.) 7.91% to 21.33%	Application Fee $150	Monthly Fee $10	Monthly Repayment $940.81	Go to siteMore Info Compare
Pepper Money No Fee Unsecured Personal Loan Fixed18 Months - 7 Years $5,000 - $50,000	Interest Rate (p.a.) 6.75% to 26.95%	Comp. Rate (p.a.) 6.75% to 26.95%	Application Fee $0	Monthly Fee $0	Monthly Repayment $922.89	Go to siteMore Info Compare
NAB Personal Loan Unsecured Variable Rate Variable1 - 7 Years $5,000 - $55,000	Interest Rate (p.a.) 6.99% to 20.49%	Comp. Rate (p.a.) 7.91% to 21.33%	Application Fee $150	Monthly Fee $10	Monthly Repayment $940.81	Go to siteMore Info Compare
ING Personal Loan Finder award winnerFixed2 - 7 Years $5,000 - $60,000	Interest Rate (p.a.) 6.89% to 18.99%	Comp. Rate (p.a.) 7.10% to 19.23%	Application Fee $150	Monthly Fee $0	Monthly Repayment $929.43	Go to siteMore Info Compare

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