---
title: "Personal Loan — Laboratories Credit Union"
description: "Personal Loans from Laboratories Credit Union. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/laboratories-credit-union/products/Personal_Loan
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-06T23:38:59.000+10:00
---

# Personal Loan — Laboratories Credit Union

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

**Personal Loans · LCU**

Variable - Principal and Interest

## At a glance

- **From (investment):** 15.25% (15.55% comparison)

## Apply

Applications are handled by the provider: [Apply at Laboratories Credit Union](https://lending.lcu.com.au/loans)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable | 15.25% | 15.55% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| EQUIFAX_CREDIT_CHECK | Event | $20.00 |

## Features

- **Redraw facility**
- **Unlimited transactions**
- **Digital wallet** — Use Internet Banking and/or the LCU - Banking App to access your account	
- **Real-time payments (NPP)**
- **PayID**
- **Notifications** — SMS/Email Alerts - Set up SMS or email alerts for credits, debits, logins to your account and more	
- **Additional repayments and early payout. Unlimited additional repayments and early payout options without penalty**
- **Automatic repayments. Can be set up from salary, LCU account, or external account 	**
- **Flexible repayments, Weekly, fortnightly or monthly	**
- **No ongoing fees. No annual, monthly or weekly fees	**
- **Interest calculated daily and applied monthly	**
- **Repayment type Principal and Interest**
- **Application fee of $200 payable on Funding of your loan**

## Eligibility

- **Individuals only**
- **Residency status** — At least one borrower must be an Australian resident
- **Minimum age** — 18 years
- **Employment status** — Income required to service loan. Applicant must meet LCU lending criteria (	)
- **Security may be required**
- **Shareholder. Must be a shareholder owning a $10 share.  Each shareholder holds an equal share regardless of their balance. Shareholders have a say in how we are run. "Own your Bank". $10 share is refunded if you choose to close your account. 		**
- **Eligibility. To be eligible to borrow  you must be referred by a family member or friend who already has an account with LCU. Alternatively you may be eligible to join if you: work or live in the greater Ryde area; have an association with Riverside Corporate or Macquarie Park; or work in a STEM industry.	**
- **Minimum loan term 1 year**
- **Maximum loan term 7 years**

## Constraints

- **Minimum limit** — $2,000.00
- **Maximum limit** — $50,000.00

## More information from Laboratories Credit Union

- [Overview](https://lcu.com.au/personal-loans/)
- [Terms & conditions](https://lcu.com.au/disclosure-documents)
- [Fees & pricing](https://lcu.com.au/disclosure-documents)

## Data provenance

- Published by Laboratories Credit Union under the Consumer Data Right
- Product ID: `Personal_Loan`
- Last updated by the provider: 6 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/laboratories-credit-union/Personal_Loan
- Provider page: https://www.cdrcompare.au/brands/laboratories-credit-union
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000180

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/laboratories-credit-union/products/Personal_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.

Site map: [all providers](https://www.cdrcompare.au/) · [how this works](https://www.cdrcompare.au/about) · [agent guide](https://www.cdrcompare.au/agents.md) · [llms.txt](https://www.cdrcompare.au/llms.txt) · [sitemap.xml](https://www.cdrcompare.au/sitemap.xml)