BUSINESS LOAN
A Secured Business Loan to start, buy or grow a business. Variable and fixed rate options available
At a glance
- Fixed
- 6.54%
- Variable
- 6.33%
How it compares
This business loan in ink, against the best that every other institution publishes for anyone to apply for. Each figure is counted the same way for all of them.
Lowest advertised rate, fixed or variable, leaving out SMSF loans; secured loans usually price lower. One dot per institution, at its lowest business loan rate anyone can apply for; hover or tap a dot for its name.
Lowest advertised rate, fixed or variable, leaving out SMSF loans; secured loans usually price lower. One dot per institution, at its lowest business loan rate anyone can apply for; hover or tap a dot for its name.
| Rate | This business loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Business loanLowest advertised rate, fixed or variable, leaving out SMSF loans; secured loans usually price lower | 6.33% | 6.33%SCCU's BUSINESS LOAN | 7.89%of 47 institutions | Lowest of 47 |
| Business loanLowest advertised rate, fixed or variable, leaving out SMSF loans; secured loans usually price lower | 6.33% | 6.33%SCCU's BUSINESS LOAN | 7.89%of 47 institutions | Lowest of 47 |
Rates
Every rate SCCU publishes for this business loan, 24 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedRate reverts to the applicable variable PI rate upon expiry. | Investment, Interest only | 1 yr fixed | ≤75% LVR | 6.54% | - | - |
| FixedRate reverts to the applicable variable PI rate upon expiry. | Investment, Interest only | 1 yr fixed | ≤75% LVR | 6.74% | - | - |
| FixedRate reverts to the applicable variable PI rate upon expiry. | Investment, Interest only | 1 yr fixed | 75–80% LVR | 6.74% | - | - |
| FixedRate reverts to the applicable variable PI rate upon expiry. | Investment, Interest only | 1 yr fixed | 75–80% LVR | 6.94% | - | - |
| FixedRate reverts to the applicable variable PI rate upon expiry. | Investment, Interest only | 2 yrs fixed | ≤75% LVR | 6.64% | - | - |
| FixedRate reverts to the applicable variable PI rate upon expiry. | Investment, Interest only | 2 yrs fixed | ≤75% LVR | 6.84% | - | - |
| FixedRate reverts to the applicable variable PI rate upon expiry. | Investment, Interest only | 2 yrs fixed | 75–80% LVR | 6.94% | - | - |
| FixedRate reverts to the applicable variable PI rate upon expiry. | Investment, Interest only | 2 yrs fixed | 75–80% LVR | 7.14% | - | - |
| FixedRate reverts to the applicable variable PI rate upon expiry. | Investment, Interest only | 3 yrs fixed | ≤75% LVR | 6.74% | - | - |
| FixedRate reverts to the applicable variable PI rate upon expiry. | Investment, Interest only | 3 yrs fixed | ≤75% LVR | 6.94% | - | - |
| FixedRate reverts to the applicable variable PI rate upon expiry. | Investment, Interest only | 3 yrs fixed | 75–80% LVR | 7.04% | - | - |
| FixedRate reverts to the applicable variable PI rate upon expiry. | Investment, Interest only | 3 yrs fixed | 75–80% LVR | 7.24% | - | - |
| FixedRate reverts to the applicable variable PI rate upon expiry. | Investment, Interest only | 4 yrs fixed | ≤75% LVR | 6.94% | - | - |
| FixedRate reverts to the applicable variable PI rate upon expiry. | Investment, Interest only | 4 yrs fixed | ≤75% LVR | 7.14% | - | - |
| FixedRate reverts to the applicable variable PI rate upon expiry. | Investment, Interest only | 4 yrs fixed | 75–80% LVR | 7.24% | - | - |
| FixedRate reverts to the applicable variable PI rate upon expiry. | Investment, Interest only | 4 yrs fixed | 75–80% LVR | 7.44% | - | - |
| FixedRate reverts to the applicable variable PI rate upon expiry. | Investment, Interest only | 5 yrs fixed | ≤75% LVR | 7.04% | - | - |
| FixedRate reverts to the applicable variable PI rate upon expiry. | Investment, Interest only | 5 yrs fixed | ≤75% LVR | 7.24% | - | - |
| FixedRate reverts to the applicable variable PI rate upon expiry. | Investment, Interest only | 5 yrs fixed | 75–80% LVR | 7.34% | - | - |
| FixedRate reverts to the applicable variable PI rate upon expiry. | Investment, Interest only | 5 yrs fixed | 75–80% LVR | 7.54% | - | - |
| Variable | Investment, Interest only | - | ≤75% LVR | 6.33% | - | - |
| Variable | Investment, Interest only | - | ≤75% LVR | 6.53% | - | - |
| Variable | Investment, Interest only | - | 75–80% LVR | 6.83% | - | - |
| Variable | Investment, Interest only | - | 75–80% LVR | 7.13% | - | - |
Features
None published.
Eligibility and limits
None published.
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Published by Southern Cross Credit Union under the Consumer Data Right, last changed by them on 9 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.