The Capricornian
Car & 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!
Personal loansBank updated 7 Aug 2026
At a glance
- Variable
- 7.18% · 7.53% comparison
- Upfront fee
- $250
§ 01 — Rates · 2
| 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 | 9.69% | 10.05% | — |
| 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 | 7.18% | 7.53% | — |
§ 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 | — | Variations to Personal Loans (including substitution of goods mortgage security) |
| 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
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Published by The Capricornian under the Consumer Data Right, last changed by them on 7 Aug 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.