---
title: "Freedom Loan Unsecured — BCU Bank"
description: "Personal Loans from BCU Bank. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/bcu-bank/products/190
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-27T14:00:42.5005767Z
---

# Freedom Loan Unsecured — BCU Bank

> Personal Loans from BCU Bank. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Personal Loans · bcu**

Whether you're funding a new project around the house or need to cover an unexpected expense, an unsecured personal loan could be the right fit for you.

## At a glance

- **From:** 9.55% (9.84% comparison)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Rate available to existing customers. · Rate available for new accounts. · Rate available to new customers.) | 9.55% | 9.84% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Statement Retrieval Fee — Fee applies for statements over 12 months old. Payable on request to issue a copy of a previously issued statement. | Replacement | $2.50 |
| Statement Retrieval > 12 Mths | Event | $2.50 |
| Loan Establishment Fee — One off establishment fee. | Upfront | $200.00 |
| Late Payment Notification Fee — 11 · When payment to a personal loan becomes overdue by 11 and 30 days. | Late payment | $5.00 |
| Notice of Demand Fee — When payment to a personal loan becomes overdue by 46 days. | Event | $75.00 |
| Management Administration Fee — 90 · When payment to a personal loan becomes overdue by more than 90 days. | Late payment | $50.00 |
| Collection Agent Administration Fee — 90 · Payable when you are in arrears for more than 90 days and we choose to engage an external collection agent. | Late payment | $100.00 |
| Default Interest Rate — A default rate may be charged on any overdue amount if you fail to pay the amount due under the loan contract by its due date. The default rate is 2% per annum above the Annual Percentage Rate applying to the loan account and accrues daily from the due date until payment is made. | Other | Variable |

## Features

- **Digital banking** (Keep a close eye on the details that matter. Use internet banking or mobile app to view your loan balance, track your interest rate, and maturity date.)
- **Extra repayments** (Extra repayments are allowed on personal loans  without additional charges or penalties.)
- **Real-time payments (NPP)** (Transfer or make payments using our mobile app or internet banking. Payments made with PayID or using Osko are received in near real-time.)
- **Redraw facility** (Fee free redraw is available for this personal loan if you're ahead on your repayments.)

## Eligibility

- **Minimum age** — 18 years
- **Individuals only** (Member must be a natural person rather than another legal entity.)
- **Credit eligibilty criteria, terms and conditions, fees and charges apply.**
- **You must be or become a BCU Bank member**
- **Residency status** — Personal Lending is not available for non-residents.

## Constraints

- **Maximum limit** — $100,000.00 (Maximum loan amount is $100,000)
- **Minimum limit** — $4,000.00 (Minimum loan amount is $4,000)

## More information from BCU Bank

- [Overview](https://www.bcu.com.au/personal-loans/unsecured-personal-loan/)
- [Terms & conditions](https://www.bcu.com.au/important-information/terms-and-conditions/personal-loans-terms--conditions/)
- [Fees & pricing](https://www.bcu.com.au/help-centre/fees-and-charges/personal-loan-fees-and-charges/)

## Data provenance

- Published by BCU Bank under the Consumer Data Right
- Product ID: `190`
- Last updated by the provider: 27 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/bcu-bank/190
- Provider page: https://www.cdrcompare.au/brands/bcu-bank
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000130

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/bcu-bank/products/190) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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