---
title: "Car Loan - Variable — CommFCU"
description: "Personal Loans from CommFCU. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/commfcu/products/L32-CL-V
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-07T14:26:54.000+10:00
---

# Car Loan - Variable — CommFCU

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

**Personal Loans · Community First Credit Union**

A secured car loan with a competitive variable rate - available for registrable vehicles including cars, motorbikes, caravans, boats and jet skis that are up to 5 years old.

## At a glance

- **From:** 6.79% (7.84% comparison)

## Apply

Applications are handled by the provider: [Apply at CommFCU](https://www.communityfirst.com.au/applying-for-a-loan)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (The comparison rate is based on a secured loan amount of $30,000 over a loan term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.) | 6.79% | 7.84% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| LATE_PAYMENT — Charged to loan account | Late payment | $25.00 |
| NEW_CAR_LOAN_AND_CAR_LOAN_MONTHLY_FEE — Charged monthly | Ongoing | $10.00 |
| REDRAW_FEE_-_STAFF_ASSISTED — Charged to loan account | Event | $30.00 |
| COPY_OF_STATEMENT_(ALREADY_ISSUED) — Charged per page. For statements issued prior to January 1997 the fee is $3 per page. | Event | $1.50 |
| PERSONAL_LOAN_(SECURED)_APPLICATION_FEE — Charged on each occasion | Upfront | $249.00 |

## Features

- **Digital banking** (Mobile banking app)
- **Redraw facility** (Redraw fees apply)

## Eligibility

- **Minimum age** — 18 years
- **Individuals only**
- **Residency status** — Australian citizen and permanent residency only

## Constraints

- **Minimum limit** — $10,000.00 (Minimum loan amount only applies at time of application)

## More information from CommFCU

- [Overview](https://www.communityfirst.com.au/products/car-loan)
- [Terms & conditions](https://communityfirst.com.au/support/important-information/disclosure-documents)
- [Eligibility](https://www.communityfirst.com.au/applying-for-a-loan)
- [Fees & pricing](https://communityfirst.com.au/tools/rates-and-fees)

## Data provenance

- Published by CommFCU under the Consumer Data Right
- Product ID: `L32-CL-V`
- Last updated by the provider: 7 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/commfcu/L32-CL-V
- Provider page: https://www.cdrcompare.au/brands/commfcu
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000031

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/commfcu/products/L32-CL-V) — 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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