The CapricornianPersonal 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.
At a glance
- Variable
- 10.94%11.30% comparison
- Upfront fee
- $250
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.
| Rate | This personal loan | Best anywhere | Typical institution | Where it sits |
|---|---|---|---|---|
| Personal loanLowest advertised rate, fixed or variable, leaving out car loans | 10.94% | 5.80%Plenti Personal Loan | 7.96%of 68 institutions | 58th lowest of 68 |
| Variable personal loanMoves with the lender's rates | 10.94% | 6.29%Bank of us' RESIDENTIALLY SECURED PERSONAL LOAN | 8.02%of 45 institutions | 36th lowest of 45 |
Rates
The one rate The Capricornian publishes for this personal loan.
| 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 | 10.94% | 11.30% | - |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 9 Oct 2026 | Variable, P&I, $3,000–$30,000 | 10.69% | 10.94% | up 0.25 |
Each change is logged the night it appears in the rates The Capricornian publishes. See how every lender answered the RBA on the rate tracker.
Fees
5 fees published, grouped by when they're charged.
When you take it out1
- Establishment Fee$250
When particular things happen4
- Arrears Fees - 2nd and Subsequent Reminder Letter Fee
Applies when you fail to make your contracted repayments by the repayment due date.
$20 - Arrears Fees - Default Notice Fee
If you don’t make your payment after a period of time in arrears, you will be issued with a default notice.
$40 - Arrears Fees - Reminder call fee
Applies when you fail to make your contracted repayments by the repayment due date.
$5 - Variation Fee$150
Features
Eligibility and 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.
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Published by The Capricornian under the Consumer Data Right, last changed by them on 9 Oct 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.