---
title: "Set-Off Loan — Central West CUL"
description: "Personal Loans from Central West CUL. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/central-west-cul/products/Set-Off_Loan
source: "CDR Compare"
language: en-AU
last_updated: 2026-04-15T09:07:15.000+10:00
---

# Set-Off Loan — Central West CUL

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

**Personal Loans · CENTRAL WEST CREDIT UNION LTD**

We want to help our members meet their goals, no matter what they are

## At a glance

- **From (investment):** 7.15% (7.36% comparison)

## Apply

Applications are handled by the provider: [Apply at Central West CUL](https://www.cwcu.com.au/lending/apply-for-a-loan)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (Secured by Set Off over Term Deposit held at CWCU) | 7.15% | 7.36% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| PERSONAL_LOAN_ESTABLISHMENT_FEE — On establishment of loan | Upfront | $150.00 |

## Features

- **Digital banking**
- **Maximum term 7 years**
- **Extra repayments**
- **Redraw facility** (Minimum amount $500)

## Eligibility

- **Minimum age** — 18 years
- **Residency status** — Australian Resident only

## More information from Central West CUL

- [Overview](https://www.cwcu.com.au/lending/personal-loans)
- [Terms & conditions](https://www.cwcu.com.au/disclosure-documents/conditions-of-use)
- [Eligibility](https://www.cwcu.com.au/disclosure-documents/conditions-of-use)
- [Fees & pricing](https://www.cwcu.com.au/disclosure-documents/fees-and-charges)
- [Bundle information](https://www.cwcu.com.au/lending/personal-loans)

## Data provenance

- Published by Central West CUL under the Consumer Data Right
- Product ID: `Set-Off_Loan`
- Last updated by the provider: 14 April 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/central-west-cul/Set-Off_Loan
- Provider page: https://www.cdrcompare.au/brands/central-west-cul
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000278

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/central-west-cul/products/Set-Off_Loan) — 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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