---
title: "Car & Motor Vehicle 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/ae1b4c9b-f09c-413f-9309-5ca857f992f0
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-07T01:08:49.235695Z
---

# Car & Motor Vehicle 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**

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!

## At a glance

- **From:** 7.18% (7.53% comparison)

## Apply

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

## 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.) | 7.18% | 7.53% | Fully secured personal loan $3,000–$200,000 |

### 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.) | 9.69% | 10.05% | Partially secured Personal Loan $3,000–$200,000 |

## 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 |
| 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 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: `ae1b4c9b-f09c-413f-9309-5ca857f992f0`
- Last updated by the provider: 7 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/the-capricornian/ae1b4c9b-f09c-413f-9309-5ca857f992f0
- 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/ae1b4c9b-f09c-413f-9309-5ca857f992f0) — 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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