The Capricornian
Personal Loans
Our personal loan can be used for renovating your home, booking your next holiday or upcoming wedding celebration. Maybe you’d like to piece together your finances, simplify your life and combine your debts with one regular repayment. Whatever the scenario, we can help make your dreams come true.
Personal loansBank updated 27 July 2026
At a glance
- Variable
- 10.69% · 11.05% comparison
- Upfront fee
- $250
§ 01 — Rates · 1
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableThis personal loan rate is only for all unsecured personal loans. | P&I | — | $3,000–$30,000 | 10.69% | 11.05% | — |
§ 02 — Fees · 5
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Arrears Fees - 2nd and Subsequent Reminder Letter Fee | Event | $20 | — | Applies when you fail to make your contracted repayments by the repayment due date. |
| Arrears Fees - Default Notice Fee | Event | $40 | — | If you don’t make your payment after a period of time in arrears, you will be issued with a default notice. |
| Arrears Fees - Reminder call fee | Event | $5 | — | Applies when you fail to make your contracted repayments by the repayment due date. |
| Variation Fee | Event | $150 | — | — |
| Establishment Fee | Upfront | $250 | — | — |
§ 03 — Features
RedrawInstant paymentsPayIDDigital banking
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: Individuals must be citizens or permanent residents of Australia.
- · You will need to become a member of the Credit Union before The Capricornian can accept a loan application.
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by The Capricornian under the Consumer Data Right, last changed by them on 27 July 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.