---
title: "Personal Loan - Secured — gmcu"
description: "Personal Loans from gmcu. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/gmcu/products/Personal_Loan_Secured
source: "CDR Compare"
language: en-AU
last_updated: 2026-04-09T09:58:45.000+10:00
---

# Personal Loan - Secured — gmcu

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

**Personal Loans · Goulburn Murray Credit Union Co-Operative Ltd**

Personal Loan - Secured

## At a glance

- **From:** 7.79% (8.04% comparison)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed | 7.79% | 8.04% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| PERSONAL_LOAN_ESTABLISHMENT_FEE — Capped at $0.00 | Upfront | $150.00 |
| LOAN_DEFAULT_FEE — Capped at $0.00 | Event | $10.00 |
| LOAN_DEFAULT_FEE-_FINAL_NOTICE — Capped at $0.00 | Event | $25.00 |
| LOAN_DEFAULT_FEE-_SECOND_REMINDER_LETTER — Capped at $0.00 | Event | $15.00 |
| GOODS_SECURITY_AGREEMENT_PREPARATION_FEE — Capped at $0.00 · charged if a Goods Security Agreement is required as security (e.g. over a vehicle) | Event | $30.00 |
| VALUATION_FEE — Capped at $0.00 · Valuation fee payable by member at cost | Cash advance | $0.00 |
| REGISTRATION_OF_MORTGAGE_FEE — Capped at $0.00 · Registration of mortgage payable by member at cost | Cash advance | $0.00 |
| MORTGAGE_PREPARATION_FEE — Capped at $0.00 · Mortgage documents prepared by solicitor payable by member at cost | Cash advance | $0.00 |
| GMCU_TITLE_SEARCH_FEE — Capped at $0.00 | Event | $25.30 |
| LOAN_REDRAW_FEE_OTHER — Capped at $0.00 | Event | $25.00 |

## Features

- **Redraw facility**

## Eligibility

- **Minimum age** — 18 years (18 years and over)
- **Residency status** — Permanant residency is required
- **Individuals only**
- **Terms, conditions, lending eligibility and approval criteria apply.**

## Bundles

- **HOME_AND_PERSONAL_LOAN_BUDNLE** — Home and Personal Loan bundle (You are eligible for a 1% per annum discount on the personal loan interest rate if you also have a gmcu home loan)

## More information from gmcu

- [Overview](https://www.gmcu.com.au/loans/personal-loans/view-all-personal-loans/)
- [Terms & conditions](https://www.gmcu.com.au/pds)
- [Eligibility](https://www.gmcu.com.au/pds)
- [Fees & pricing](https://www.gmcu.com.au/pds)

## Data provenance

- Published by gmcu under the Consumer Data Right
- Product ID: `Personal_Loan_Secured`
- Last updated by the provider: 8 April 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/gmcu/Personal_Loan_Secured
- Provider page: https://www.cdrcompare.au/brands/gmcu
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000179

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/gmcu/products/Personal_Loan_Secured) — 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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