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Personal Loans

Rates effective 1 January 2012. See here for full Interest Rate Details.

Loan Type Interest Rate Comparison Rate
Personal Loans

from 13.25% pa
to 18.70% pa

 15.15% pa*
20.58% pa*
Home Improvement Loans

12.00% pa

 13.92% pa*
Car Loan (Motor Vehicles up to 3 years old) 10.29% pa 10.81% pa**
Equity Car Loan (Motor Vehicles up to 3 years old) 9.99%pa+ 10.51%pa**
Car Loan (Motor Vehicles up to 1 yrs old) 9.29% pa 9.81% pa**
Equity Car Loan (Motor Vehicles up to 1 year old) 8.99%pa+ 9.51%pa**

* Comparison rates calculated on a loan amount of $10,000 over a term of 3 years.

** Comparison rates calculated on a loan amount of $30,000 over a term of 5 years.

+ Product offered financed up to 80% equity of the purchase price. (cash or trade-in)

WARNING: These comparison rates apply only to the examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. Rates effective 1 August 2011 and subject to change at Credit Unions discretion.

Questions

If you have any difficulty downloading the above, please contact us Enquire Now

Please note: Fees and charges apply. Loans are subject to Encompass Credit Union Ltd's normal lending criteria.

Note: these documents are provided in .pdf format and require version, 4.0 (or later) of Adobe Reader. You can download Adobe Reader by clicking on the "Get Adobe Reader" button below.

 

We finance up to 80% equity for eligible members

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