SECURED PERSONAL LOAN

Personal Loan from $5K-$150K with an acceptable asset offered to secure the loan such as a used car.

Personal loansBank updated 9 June 2026

Apply at Southern Cross Credit Union ↗Product page ↗Fees and pricing ↗Terms ↗

At a glance

Fixed: 8.24%9.15% comparison

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.

Typical 7.96%

6%7%8%9%10%11%12%to 17%

This personal loan: 8.24%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.

Rate	This personal loan	Best anywhere	Typical institution	Where it sits
Personal loanLowest advertised rate, fixed or variable, leaving out car loans	8.24%	5.80%Plenti Personal Loan	7.96%of 68 institutions	39th lowest of 68
Fixed personal loanRepayments stay the same for the term	8.24%	5.80%Plenti Personal Loan	7.96%of 42 institutions	23rd lowest of 42

Rates

Every rate SCCU publishes for this personal loan, 5 in all.

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%	-

Features

None published.

Eligibility and limits

None published.

Compare it with others

All personal loans Other Southern Cross Credit Union personal loans Everything Southern Cross Credit Union publishes

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.