---
title: "Personal Loans — The Capricornian"
description: "Personal Loans from The Capricornian. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/the-capricornian/products/7a14c039-862e-4225-8da1-8e37c949edc6
source: "CDR Compare"
language: en-AU
last_updated: 2026-07-26T23:52:29.796082Z
---

# Personal Loans — The Capricornian

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

**Personal Loans · THE CAPRICORNIAN**

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.

## At a glance

- **From:** 10.69% (11.05% comparison)

## Apply

Applications are handled by the provider: [Apply at The Capricornian](https://www.capricornian.com.au/loans/personal-loan/)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Variable (This personal loan rate is only for all unsecured personal loans.) | 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 from The Capricornian

- [Overview](https://www.capricornian.com.au/loans/personal-loan/personal-loans/)
- [Terms & conditions](https://www.capricornian.com.au/documents/conditions-of-use/)
- [Eligibility](https://www.capricornian.com.au/about-us/reports-policies-disclosures/target-market-determinations/)
- [Fees & pricing](https://www.capricornian.com.au/about-us/product-rate-fee-disclosures/)

## Data provenance

- Published by The Capricornian under the Consumer Data Right
- Product ID: `7a14c039-862e-4225-8da1-8e37c949edc6`
- Last updated by the provider: 26 July 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/the-capricornian/7a14c039-862e-4225-8da1-8e37c949edc6
- Provider page: https://www.cdrcompare.au/brands/the-capricornian
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000183

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/the-capricornian/products/7a14c039-862e-4225-8da1-8e37c949edc6) — 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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