The Finance Algorithm
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UNSECURED PERSONAL LOAN

Personal Loan from $5K-$50K with no security required.

Personal loansBank updated 9 June 2026
Apply at Southern Cross Credit Union ↗Product page ↗Fees and pricing ↗Terms ↗

At a glance

Fixed
9.64%10.56% 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.

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%-

Features

None published.

Eligibility and limits

None published.

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.