SCCU
EMONEY SECURED PERSONAL LOAN
Personal Loan from $20K-$150K with an acceptable asset offered to secure the loan such as a used car.
Personal loansBank updated 9 June 2026
At a glance
- Fixed
- 8.24% · 9.15% comparison
- Loan size
- $20,000 to $150,000
- Upfront fee
- $250
- Monthly fee
- $8
§ 01 — Rates · 5
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedFixed for the term of the loan | P&I | 3 yrs fixed | — | 8.24% | 9.15% | — |
| FixedFixed for the term of the loan | P&I | 4 yrs fixed | — | 8.24% | 9.15% | — |
| FixedFixed for the term of the loan | P&I | 5 yrs fixed | — | 8.24% | 9.15% | — |
| FixedFixed for the term of the loan | P&I | 6 yrs fixed | — | 8.24% | 9.15% | — |
| FixedFixed for the term of the loan | P&I | 7 yrs fixed | — | 8.24% | 9.15% | — |
§ 02 — Fees · 6
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| DIRECT_DEBIT_DISHONOUR | Event | $15 | — | Charged if your direct debit payment is dishonoured due to insufficient funds |
| LOAN_VARIATION | Event | $150 | — | When there is a variation made to the terms of an existing loan agreement. For example principal reduction, change to loan term. |
| PERSONAL_LOAN_SECURITY_VARIATION | Event | $150 | — | When there is a variation made to the security used for an existing loan agreement. For example you change the vehicle which secures your loan. |
| MTHLY_PERSONAL_LOAN_FEE | Periodic | $8 | Every 1 mo | Flat Monthly Fee of $8 for personal or vehicle loans. |
| REDRAW_IN_BRANCH | Transaction | $25 | — | Charged if you access advance payment on your loan in-branch. Redraw available while on VARIABLE rates only |
| PERSONAL_LOAN_ESTABLISHMENT_FEE | Upfront | $250 | — | A one off upfront fee for setting up your loan. |
§ 03 — Features
RedrawDigital banking
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Y
- · Available to individuals
- · Amount $20,000 to $150,000
- · Capacity to repay the loan
- · Acceptable asset offered to secure loan
- · Available only to business introduced through Emoney.
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by Southern Cross Credit Union under the Consumer Data Right, last changed by them on 9 June 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.