People’s Choice CU Secured Personal Loan

Main points to consider with the People's Choice Secured Personal Loan

This loan is a secured loan and in order to benefit from the low comparison rate of 8.35% p.a., you must secure this loan with a motor vehicle.

You must be able to prove that you own the vehicle that you're using as security. You can apply for between $10,000 up to a maximum of $100,000.

The loan terms start from 1 year and end at 10 years.

Features of the People's Choice Secured Loan

Some of the features associated with this loan include:

• A competitive rate. This rate starts from a low 8.35% p.a. comparison rate per year.
• Fixed rate for the first five years of your loan term. You benefit from a fixed rate for the first five years of your loan term. This means that you have the certainty of knowing how much your repayments will be for the first five years, which offers peace of mind.
• Large starting amount. You can borrow a minimum of $10,000 and a maximum of $100,000.
• Freedom of funds. As this is a personal loan, you are able to use the funds you are granted for whatever you need. Want to go on a holiday or consolidate your debt? You are able to do this with your loan.
• Loan terms. Loan terms for this loan start from 1 year to 10 years.
• Flexible repayments available.You can tailor your personal loan repayments to your cash flow frequency with weekly, fortnightly or monthly repayments available.
• Straightforward fee structure. The fees you need to pay are made known to you before your application. You must pay a $250 application fee, as well as a rate lock of 0.15% of the total loan amount.
• No monthly fees or penalties for additional repayments. You benefit from no monthly fees charged as well as no penalties for additional repayments or any penalties for early repayment.
• Redraw facility available. If you make extra repayments over the duration of your loan, you are able to redraw them whenever you need them.
• Pre approval for 60 days. You benefit from pre-approval from People's Choice which is valid for 60 days.
• Secured loan. This loan is secured and needs to have an asset put forward. You must secure this loan with a new or used motor vehicle to benefit from the low rate on offer.

How to apply for the People's Choice Secured Loan with a motor vehicle

If you're ready to apply for this loan, click on "Go to Site" and ensure you meet the following requirements:

• Be the age of 18 or older.
• Have an income.
• Know your assets and liabilities situation.

Some of the documents you need to provide include:

• Income details. This is needed to show you can meet your financial obligations of this loan. Income details can include pay slips, child support statements, pension statements, proof of overtime, rental income and commissions.
• Expense details. This can be utility bills, rent, board, loan repayments, credit card repayments, maintenance, lease repayments and more.
• Asset information. You need to show any assets you might have, which can include cash savings, the value of your motor vehicles, shares, property, bonds, price of furnishings and many more.
• Residential and employment details for the last three years.
• Australian driver's licence number and expiry.

You benefit from a low rate when securing this loan with a motor vehicle. Ensure this loan meets your financial needs before applying. Compare other personal loans before making a decision.

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Name	Interest Rate (p.a.)	Comp. Rate (p.a.)	Application Fee	Monthly Fee	Monthly Repayment
Harmoney Unsecured Personal Loan Finder award winner Fixed3 - 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	Receive competitive interest rates tailored to your personal circumstances, repay the loan early without incurring an early repayment fee, and enjoy no monthly or annual fees.
OurMoneyMarket Unsecured Low-Rate Personal Loan ($5,000-$75,000) ExclusiveFinder award winner Fixed1 - 7 Years $5,000 - $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	Finder Exclusive: Limited time only. $100 eGift Card for borrowers with Excellent Credit who apply via Finder by 31 March and settle the loan by 15 April. Applicants with an Equifax credit score of 500 or above and an annual income of more than $25k are eligible. No ongoing or early exit fees. Loan amounts range from $5,000 to $75,000, and up to $100,000 for home improvement projects and motor vehicles.
NOW Finance No Fee Unsecured Personal Loan Finder award winner 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
MONEYME Personal Loans Variable3 - 7 Years $5,000 - $50,000	Interest Rate (p.a.) 6.74% to 25.49%	Comp. Rate (p.a.) 8.13% to 26.88%	Application Fee $395 - $495	Monthly Fee $10	Monthly Repayment $947.98	Go to siteMore Info Compare	Homeowners can unlock lower interest rates (depending on your credit score).
Great Southern Bank Unsecured Fixed Rate Personal Loan Fixed1 - 7 Years $5,000 - $75,000	Interest Rate (p.a.) 7.99% to 19.99%	Comp. Rate (p.a.) 8.31% to 20.35%	Application Fee $225	Monthly Fee $0	Monthly Repayment $947	Go to siteMore Info Compare
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.) 10.93% to 31.38%	Application Fee $0	Monthly Fee $13	Monthly Repayment $973.85	Go to siteMore Info Compare	Special offer: $395 establishment fee waived for approved personal loan applications for a limited time. 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.) 8.49% to 20.49%	Comp. Rate (p.a.) 9.52% to 21.38%	Application Fee $0	Monthly Fee $15	Monthly Repayment $961.89	Go to siteMore Info Compare	Special Offer: For a limited time NAB is waiving the $250 application fee when you apply for a NAB Unsecured Personal Loan. Offer valid from 6 March to 31 May 2025. Other fees and charges still apply.
OurMoneyMarket Secured Personal Loan ($5,000-$75,000) Fixed1 - 7 Years $5,000 - $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
OurMoneyMarket Home Improvement Loan Fixed1 - 7 Years $5,000 - $100,000	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
NAB Personal Loan Unsecured Variable Rate Variable1 - 7 Years $5,000 - $55,000	Interest Rate (p.a.) 8.49% to 20.49%	Comp. Rate (p.a.) 9.52% to 21.38%	Application Fee $0	Monthly Fee $15	Monthly Repayment $961.89	Go to siteMore Info Compare	Special Offer: For a limited time NAB is waiving the $250 application fee when you apply for a NAB Unsecured Personal Loan. Offer valid from 6 March to 31 May 2025. Other fees and charges still apply.
ANZ Variable Rate Personal Loan Variable1 - 7 Years $5,000 - $50,000	Interest Rate (p.a.) 7.49% to 19.99%	Comp. Rate (p.a.) 8.18% to 20.58%	Application Fee $150	Monthly Fee $10	Monthly Repayment $947.71	ContinueMore Info Compare	Special Offer: Until 13 April, eligible borrowers of an ANZ personal loan can get $250 cashback and $150 application fee waived. Terms and conditions apply.

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