Car & Motor Vehicle Loans
Whether upgrading your vehicle, adventuring off-road in your four-wheel drive, or having fun on the water in your dream boat or jet ski, The Capricornian’s secured personal loan options could be your answer!
- From
- 7.18%
- 7.53% comparison
Interest Rates
Other — Principal & interest
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Fully secured personal loan. 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 | 7.18% | 7.53% | Fully secured personal loan |
Other — Any repayment type
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Partially secured personal loan. 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 | 9.69% | 10.05% | Partially secured Personal Loan |
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 |
| Establishment Fee | Upfront | $250.00 |
| Arrears Fees - Reminder call fee Applies when you fail to make your contracted repayments by the repayment due date. | Event | $5.00 |
| 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 |
| Variation Fee Variations to Personal Loans (including substitution of goods mortgage security) | Event | $150.00 |
Features
- Redraw facility
- Redraw of repaid principal above minimum required is available
- Digital banking
- Real-time payments (NPP)
- PayID
Eligibility
- Minimum age — 18 years
- Residency status — Individuals must be citizens or permanent residents of Australia.
- You will need to become a member of the Credit Union before The Capricornian can accept a loan application.
More Information
Published by The Capricornian under the Consumer Data Right · Last updated 16 July 2026 · Product ID ae1b4c9b-f09c-413f-9309-5ca857f992f0 · View on CDR.gov.au