Unicredit have a range of personal loans designed to suit your
lifestyle.
Life is full of needs and wants, and sometimes a loan is required
to achieve these goals. Here at Unicredit, we’ve developed a
range of personal loan options - each of which can be tailored
to suit your specific financial situation and lifestyle requirements.
We welcome the opportunity to speak with you about your personal
loan needs and offer you a choice of solutions specific to your circumstances.
Loan type |
Interest Rate |
Comparison Rate1 |
| Car Loans (minimum 10% deposit required) |
| New / demo cars up to 1 year old |
9.90% pa |
9.90% pa2 |
| Used cars up to 5 years old |
10.90% pa |
10.90% pa2 |
| |
|
|
| Secured Personal Loans |
| Secured by Real Estate |
6.10% pa |
6.93% pa2 |
| Secured by Term Deposit |
6.10% pa |
6.44% pa2 |
| |
|
|
| Unsecured Personal Loans |
| Member or University Packages |
10.95% pa |
11.30% pa2 |
| Standard Unsecured Personal Loan |
13.45% pa |
14.15% pa3 |
|
Personal loans
available for |
General purposes |
Need to purchase furniture, a computer or even take a holiday? Unicredit’s
Unsecured Personal Loan offers you all the flexibility that you’ll need
to achieve your goals. |
Motor vehicles |
A Unicredit Motor Vehicle Loan can
get you on the road faster with a discounted interest rate for
cars up to five years old. A minimum deposit of 10% is required,
and the loan is generally secured against the motor vehicle being
purchased. |
Consolidation of debt |
With a Unicredit Consolidation Loan,
you can combine various debts under the one loan, with one interest
rate and one loan repayment. It makes financial sense to combine
your personal loans and credit card debts into one, easy to repay
personal loan. |
Student loans |
Unicredit provides student loans
from $1,000 for study-related purchases such as text books, tuition
fees, a car or a computer. But what makes Unicredit the first
choice for student loans is the fact that you’ll enjoy
a highly competitive interest rate, and there are no establishment
fees and no monthly or ongoing fees to be paid.
:: Read more about Student Loans |
Personal Loan
Features |
No ongoing monthly or annual fees |
Only pay upfront establishment fees. |
Easy to manage repayment schedule |
Choose weekly, fortnightly or monthly
repayments to match your pay cycle. |
Range of repayment options |
Choose automatic deductions from your Unicredit account or salary or make your
repayments at any Unicredit branch or Bank@Post outlet
. |
Extra repayments without early payout
penalty |
Make extra repayments on loans without
penalty and reduce the interest payments and term of your loan. |
Fast approval |
A quick answer on your loan application
so you can proceed with your purchase without delay. |
Loans available from $1,000 |
Only borrow the amount you need,
with small personal loans available from $1,000. |
Loan terms range from 1 to 5 years |
Set a repayment schedule that you
are comfortable with over a term of 1 to 5 years. |
On campus branch convenience |
Our branches are conveniently
located on your university campus making it easy to speak to
a Unicredit representative about your loan needs. |
Personalised and professional service |
Call Unicredit and speak directly
to a friendly Lending Consultant to discuss your personal financial
needs. |
Interest rates –
- The applicable interest rate on a personal loan will be dependant
upon whether the loan is secured or unsecured, the type of borrower,
and the nature and type of the security offered. For example:
- Members who meet the conditions of the member package or university
package, qualify for specially discounted interest rates.
- All loans, regardless of purpose, that are secured by mortgage
over real estate, qualify for the Society’s standard variable
home loan rate.
- Receive a discounted interest rate for new cars up to 1 year
old and used cars up to 5 years old.
Packages –
Member & University Staff Package:
- This is a special personal loan interest rate created to
reward University staff and existing members with a discounted unsecured variable
rate. You need to have been a member of Unicredit for more than two
years or be a university employee (or work on campus) and be able to have your pay credited to a Unicredit account.
Speak to a Lending Consultant –
- You can speak to a Lending Consultant Monday to Friday, 8.30am to 4.30pm
by calling Unicredit on 9389 1011 or email enquiries@unicredit.com.au.
- You can also make an appointment with a Lending Consultant to discuss
your loan requirements anytime during office hours.
Apply today :
Current members should contact their Lending Officer on 9389 1011 for enquiries.
:: online loan calculator
Things you should know
All loan applications are subject to Unicredit’s normal lending
criteria. Fees and government charges apply, please refer to our Fees
and Charges Schedule, by clicking on the link below or collecting from
any Unicredit branch.
1 Comparison rate is for a loan of $10,000 for a term of 3 years.
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 costs savings such as fee
waivers, are not included in the comparison rate but may influence the
cost of the loan. Calculations are based on a monthly repayment frequency.
Comparison Rate Schedules are available from any Unicredit branch,
or can be downloaded by clicking on the link below.
2 Comparison rate quoted has been calculated using the Member/University
package discounted establishment fee.
3 Comparison rate quote has been calculated using the standard establishment
fee.
4 The loan protection insurance product is issued by Swann Insurance
(Aust.) Pty. Ltd. (Swann). ABN 80 000 886 680. An IAG Company. You can
obtain a Product Disclosure Statement (PDS) for the product from any
office of Swann or its representatives. You should consider the PDS in
deciding whether to buy or hold the product.
This is general advice only and does not take into account your individual
objectives, financial situation or needs (‘your personal circumstances’).
Before using this advice to decide whether to purchase this insurance
policy, you should consider the appropriateness of it having regard to
your personal circumstances, plus obtain and consider the current Product
Disclosure Statement for the insurance policy.
