The Finance Algorithm
SCCU logoSCCU

LJ HOOKER UNSECURED PERSONAL LOAN

Personal Loan from $20K-$50K with no security required.

Personal loansBank updated 9 June 2026

At a glance

Fixed
9.64%10.56% comparison
Loan size
$20,000 to $50,000
Upfront fee
$250
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.

This personal loan: 9.64%Every other institution's lowest, 67 in all

Lowest advertised rate, fixed or variable, leaving out car loans. One dot per institution, at its lowest personal loan rate anyone can apply for; hover or tap a dot for its name.

RateThis personal loanBest anywhereTypical institutionWhere it sits
Personal loanLowest advertised rate, fixed or variable, leaving out car loans9.64%5.80%Plenti Personal Loan7.96%of 68 institutions53rd lowest of 68, level with one other
Fixed personal loanRepayments stay the same for the term9.64%5.80%Plenti Personal Loan7.96%of 42 institutions33rd lowest of 42, level with one other

Rates

Every rate SCCU publishes for this personal loan, 15 in all.

TypeApplies toTermBandRateComparisonConditions
FixedFixed for the term of the loanP&I3 yrs fixed-9.64%10.56%-
FixedFixed for the term of the loanP&I3 yrs fixed-11.64%12.54%-
FixedFixed for the term of the loanP&I3 yrs fixed-13.64%14.53%-
FixedFixed for the term of the loanP&I4 yrs fixed-9.64%10.56%-
FixedFixed for the term of the loanP&I4 yrs fixed-11.64%12.54%-
FixedFixed for the term of the loanP&I4 yrs fixed-13.64%14.53%-
FixedFixed for the term of the loanP&I5 yrs fixed-9.64%10.56%-
FixedFixed for the term of the loanP&I5 yrs fixed-11.64%12.54%-
FixedFixed for the term of the loanP&I5 yrs fixed-13.64%14.53%-
FixedFixed for the term of the loanP&I6 yrs fixed-9.64%10.56%-
FixedFixed for the term of the loanP&I6 yrs fixed-11.64%12.54%-
FixedFixed for the term of the loanP&I6 yrs fixed-13.64%14.53%-
FixedFixed for the term of the loanP&I7 yrs fixed-9.64%10.56%-
FixedFixed for the term of the loanP&I7 yrs fixed-11.64%12.54%-
FixedFixed for the term of the loanP&I7 yrs fixed-13.64%14.53%-

Fees

5 fees published, grouped by when they're charged.

  1. When you take it out$250PERSONAL_LOAN_ESTABLISHMENT_FEE
  2. While you hold it$8 a monthMTHLY_PERSONAL_LOAN_FEE
  3. When you close it or pay it offNo fee published

When you take it out1

  • PERSONAL_LOAN_ESTABLISHMENT_FEE

    A one off upfront fee for setting up your loan.

    $250

While you hold it1

  • MTHLY_PERSONAL_LOAN_FEE

    Flat Monthly Fee of $8 for personal or vehicle loans.

    $8 a month

When you make a transaction1

  • REDRAW_IN_BRANCH

    Charged if you access advance payment on your loan in-branch. Redraw available while on VARIABLE rates only

    $25

When particular things happen2

  • DIRECT_DEBIT_DISHONOUR

    Charged if your direct debit payment is dishonoured due to insufficient funds

    $15
  • LOAN_VARIATION

    When there is a variation made to the terms of an existing loan agreement. For example principal reduction, change to loan term.

    $150

Features

RedrawDigital banking
  • Terms from 3yrs to 7years available
  • Unsecured rate available on application subject to credit score

Eligibility and limits

  • Minimum age 18
  • Residency: Y
  • Available to individuals
  • Amount $20,000 to $50,000
  • Capacity to repay the loan
  • Available only to business introduced by LJ Hooker Home loans

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.