NORTHERN INLAND CREDIT UNION LTD.
Used Vehicle Loan
A fixed personal loan, taken over 1 to 5 years depending on your circumstances. Secured by a vehicle up to 10 years old.
Personal loansBank updated 11 May 2026
At a glance
- Fixed
- 9.49% · 10.32% comparison
- Loan size
- $5,000 to $100,000
- Upfront fee
- $200
- Monthly fee
- $8
§ 01 — Rates · 1
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedComparison Rate is calculated on a loan amount of $30,000 over a term of 5 years. These rates are for unsecured loans only. WARNING: This comparison rate is true only for the example given and may no… | P&I | 1 yr fixed | — | 9.49% | 10.32% | — |
§ 02 — Fees · 6
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| ALTERNATE_SECURITY_CAR_LOAN | Event | $100 | — | — |
| LATE_REPAYMENT_FEE | Event | $15 | — | — |
| PREPAYMENT_FEE_-_SECURED_LOANS | Event | $100 | — | payable when you pay out the contract early. Waived if you refinance with us or paid out with savings. |
| STAFF_TRANSFER | Event | $10 | — | — |
| LOAN_MONTHLY_FEE | Periodic | $8 | Every 1 mo | — |
| ESTABLISHMENT_FEE_PL | Upfront | $200 | — | To be paid at time of funding/disbursement |
§ 03 — Features
RedrawDigital banking
- · No restriction on amount of additional payments you make
- · Make weekly, fortnightly or monthly repayments
- · 1 to 5 year loan terms available
- · Fixed Interest Rate
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: AU
- · Available to individuals
- · Amount $5,000 to $100,000
- · Credit criteria and eligibility applies to all applicants. Terms and Conditions are available on application.
- · Loan can be for any purpose or for the purchase of a used vehicle up to 10 years old
- · Loan is to be secured by a vehicle up to 10 years old
- · The vehicle used as security must have full comprehensive insurance for the life of the loan
§ 05 — Compare
§ 06 — Run the numbers
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Published by Northern Inland Credit Union Limited under the Consumer Data Right, last changed by them on 11 May 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.