Northern Inland Credit Union Ltd.Personal Loan Unsecured
Achieve your personal goals with an unsecured fixed loan for up to 5 years - consolidate debts, home renovations, dream holiday or investment venture, education, wedding or household goods.
At a glance
- Fixed
- 12.49%15.58% comparison
- Loan size
- $5,000 to $50,000
- Upfront fee
- $200
- Monthly fee
- $8
How it compares
This personal 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.
| Rate | This personal loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Personal loanLowest advertised rate, fixed or variable, leaving out car loans | 12.49% | 5.80%Plenti Personal Loan | 7.96%of 68 institutions | 65th lowest of 68 |
| Fixed personal loanRepayments stay the same for the term | 12.49% | 5.80%Plenti Personal Loan | 7.96%of 42 institutions | 39th lowest of 42 |
Rates
The one rate Northern Inland Credit Union Ltd. publishes for this personal loan.
| 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 | - | 12.49% | 15.58% | - |
Fees
5 fees published, grouped by when they're charged.
- When you take it out$200ESTABLISHMENT_FEE_PL
- While you hold it$8 a monthLOAN_MONTHLY_FEE
- When you close it or pay it offNo fee published
When you take it out1
- ESTABLISHMENT_FEE_PL
To be paid at time of funding/disbursement
$200
While you hold it1
- LOAN_MONTHLY_FEE$8 a month
When particular things happen3
- LATE_REPAYMENT_FEE$15
- PREPAYMENT_FEE_-_UNSECURED_LOANS
Payable when you pay out the contract early. Waived if you refinance with us or paid out with savings.
$25 - STAFF_TRANSFER$10
Features
- Unsecured personal loan
- No restriction on amount of additional payments you make
- Make weekly, fortnightly or monthly repayments
- 1 to 5 year loan terms available
Eligibility and limits
- Minimum age 18
- Residency: AU
- Available to individuals
- Amount $5,000 to $50,000
- Credit criteria and eligibility applies to all applicants. Terms and Conditions are available on application.
- Loan can be for any purpose
Compare it with others
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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.