---
title: "EMONEY NEW VEHICLE LOAN — Southern Cross Credit Union"
description: "Personal Loans from Southern Cross Credit Union. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/southern-cross-credit-union/products/EMONEY_NEW_VEHICLE_LOAN
source: "CDR Compare"
language: en-AU
last_updated: 2026-06-09T11:05:22.000+10:00
---

# EMONEY NEW VEHICLE LOAN — Southern Cross Credit Union

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

**Personal Loans · SCCU**

New Car Loan from $20K-$150K Secured by New or demo vehicle purchase.

## At a glance

- **From:** 8.24% (9.15% comparison)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 3 years (Fixed for the term of the loan) | 8.24% | 9.15% | — |
| Fixed · 4 years (Fixed for the term of the loan) | 8.24% | 9.15% | — |
| Fixed · 5 years (Fixed for the term of the loan) | 8.24% | 9.15% | — |
| Fixed · 6 years (Fixed for the term of the loan) | 8.24% | 9.15% | — |
| Fixed · 7 years (Fixed for the term of the loan) | 8.24% | 9.15% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| PERSONAL_LOAN_SECURITY_VARIATION — When there is a variation made to the security used for an existing loan agreement. For example you change the vehicle which secures your loan. | Event | $150.00 |
| DIRECT_DEBIT_DISHONOUR — Charged if your direct debit payment is dishonoured due to insufficient funds | Event | $15.00 |
| PERSONAL_LOAN_ESTABLISHMENT_FEE — A one off upfront fee for setting up your loan. | Upfront | $250.00 |
| REDRAW_IN_BRANCH — Charged if you access advance payment on your loan in-branch. Redraw available while on VARIABLE rates only | Transaction | $25.00 |
| MTHLY_PERSONAL_LOAN_FEE — Charged monthly · Flat Monthly Fee of $8 for personal or vehicle loans. | Ongoing | $8.00 |
| LOAN_VARIATION — When there is a variation made to the terms of an existing loan agreement. For example principal reduction, change to loan term. | Event | $150.00 |

## Features

- **Digital banking** (SCCU NetBanking)
- **Redraw facility**

## Eligibility

- **Residency status** — Y (Must be an Australian resident)
- **Minimum age** — 18 years
- **Capacity to repay the loan**
- **Individuals only**
- **Purchase of New or demo Vehicle to be taken as security over the loan**
- **Available only to business introduced through Emoney**

## Constraints

- **Minimum limit** — $20,000.00
- **Maximum limit** — $150,000.00

## Data provenance

- Published by Southern Cross Credit Union under the Consumer Data Right
- Product ID: `EMONEY_NEW_VEHICLE_LOAN`
- Last updated by the provider: 9 June 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/southern-cross-credit-union/EMONEY_NEW_VEHICLE_LOAN
- Provider page: https://www.cdrcompare.au/brands/southern-cross-credit-union
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000103

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/southern-cross-credit-union/products/EMONEY_NEW_VEHICLE_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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