The CapricornianCar & Motor Vehicle Loans
Whether upgrading your vehicle, adventuring off-road in your four-wheel drive, or having fun on the water in your dream boat or jet ski, The Capricornian’s secured personal loan options could be your answer!
At a glance
- Variable
- 7.43%7.78% 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 |
|---|---|---|---|---|
| Car loan from a bank or lenderLowest advertised rate, fixed or variable | 7.43% | 5.74%Westpac's Car Loan | 6.99%of 42 institutions | 27th lowest of 42 |
Rates
Every rate The Capricornian publishes for this personal loan, 2 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariablePartially secured personal loan. Comparison rate based on $25,000 loan over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Differ… | - | - | $3,000–$200,000 | 9.94% | 10.30% | - |
| VariableFully secured personal loan. Comparison rate based on $25,000 loan over 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different… | P&I | - | $3,000–$200,000 | 7.43% | 7.78% | - |
Rate changes
2 changes logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 9 Oct 2026 | Variable, $3,000–$200,000 | 9.69% | 9.94% | up 0.25 |
| 9 Oct 2026 | Variable, P&I, $3,000–$200,000 | 7.18% | 7.43% | 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
Variations to Personal Loans (including substitution of goods mortgage security)
$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.