---
title: "Personal Loan Unsecured — Northern Inland Credit Union Limited"
description: "Personal Loans from Northern Inland Credit Union Limited. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUL77F
source: "CDR Compare"
language: en-AU
last_updated: 2026-05-11T17:12:13.000+10:00
---

# Personal Loan Unsecured — Northern Inland Credit Union Limited

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

**Personal Loans · NORTHERN INLAND CREDIT UNION LTD.**

Achieve your personal goals with an unsecured fixed loan for up to 5 years - consolidate debts, home renovations, dream holiday or investment venture, education, wedding or household goods.

## At a glance

- **From:** 12.49% (15.58% comparison)

## Apply

Applications are handled by the provider: [Apply at Northern Inland Credit Union Limited](https://www.nicu.com.au/personal-car-loans/personal-loan-enquiry)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 1 year (Comparison Rate is calculated on a loan amount of $30,000 over a term of 5 years. These rates are for unsecured loans only. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.) | 12.49% | 15.58% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| ESTABLISHMENT_FEE_PL — Capped at $0.00 · To be paid at time of funding/disbursement | Upfront | $200.00 |
| LATE_REPAYMENT_FEE — Capped at $0.00 | Event | $15.00 |
| LOAN_MONTHLY_FEE — Charged monthly · Capped at $0.00 | Ongoing | $8.00 |
| STAFF_TRANSFER — Capped at $0.00 | Event | $10.00 |
| PREPAYMENT_FEE_-_UNSECURED_LOANS — Capped at $0.00 · Payable when you pay out the contract early. Waived if you refinance with us or paid out with savings. | Event | $25.00 |

## Features

- **Redraw facility** (Free redraw on additional payments made. Minimum $200)
- **Unsecured personal loan**
- **No restriction on amount of additional payments you make**
- **Make weekly, fortnightly or monthly repayments**
- **1 to 5 year loan terms available**
- **Digital banking** (Secure banking 24/7 from your computer or mobile with Online Banking)
- **Digital banking** (24/7 access to your accounts anywhere in the world with our smartPAY App. You can also temporarily block your card or report it lost or stolen.)

## Eligibility

- **Credit criteria and eligibility applies to all applicants. Terms and Conditions are available on application.**
- **Minimum age** — 18 years
- **Residency status** — AU (Individuals must be citizens or permanent residents of Australia.)
- **Individuals only** (Available for personal borrowers only)
- **Loan can be for any purpose**

## Constraints

- **Minimum limit** — $5,000.00
- **Maximum limit** — $50,000.00

## More information from Northern Inland Credit Union Limited

- [Overview](https://www.nicu.com.au/personal-car-loans/personal-loan)
- [Fees & pricing](https://www.nicu.com.au/ArticleDocuments/298/NICU_Fees_Charges.pdf.aspx)

## Data provenance

- Published by Northern Inland Credit Union Limited under the Consumer Data Right
- Product ID: `NICUL77F`
- Last updated by the provider: 11 May 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/northern-inland-credit-union-limited/NICUL77F
- Provider page: https://www.cdrcompare.au/brands/northern-inland-credit-union-limited
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000356

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/northern-inland-credit-union-limited/products/NICUL77F) — 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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