Personal Loans
Our personal loan can be used for renovating your home, booking your next holiday or upcoming wedding celebration. Maybe you’d like to piece together your finances, simplify your life and combine your debts with one regular repayment. Whatever the scenario, we can help make your dreams come true.
- From
- 10.69%
- 11.05% comparison
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Comparison rate based on $25,000 loan over 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. · Aged 18 years or older | 10.69% | 11.05% | Unsecured personal loan $3,000–$30,000 |
Fees
| Fee | Type | Amount |
|---|---|---|
| Arrears Fees - Default Notice Fee If you don’t make your payment after a period of time in arrears, you will be issued with a default notice. | Event | $40.00 |
| Variation Fee | Event | $150.00 |
| Establishment Fee | Upfront | $250.00 |
| Arrears Fees - 2nd and Subsequent Reminder Letter Fee Applies when you fail to make your contracted repayments by the repayment due date. | Event | $20.00 |
| Arrears Fees - Reminder call fee Applies when you fail to make your contracted repayments by the repayment due date. | Event | $5.00 |
Features
- PayID
- An account of this product type can be used as the target of an NPP PayID
- Real-time payments (NPP)
- An account of this product type can be used to receive funds as a result of a BSB/Number based NPP payment
- Redraw facility
- Redraw of repaid principal above minimum required is available
- Notifications — Notification via email, SMS or secure message in online banking.
- SMS and/or email notifications available
- Digital banking
- Access is available to online banking features for the product
Eligibility
- You will need to become a member of the Credit Union before The Capricornian can accept a loan application.
- Minimum age — 18 years
- Residency status — Individuals must be citizens or permanent residents of Australia.
More Information
Published by The Capricornian under the Consumer Data Right · Last updated 10 May 2026 · Product ID 7a14c039-862e-4225-8da1-8e37c949edc6 · View on CDR.gov.au · View Source Data (JSON)