At a glance
- Fixed
- 6.29%6.66% comparison
- Upfront fee
- $10
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 | 6.29% | 5.74%Westpac's Car Loan | 6.99%of 42 institutions | 9th lowest of 42, level with one other |
Rates
The one rate Macarthur Credit Union Ltd publishes for this personal loan.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| Fixed | P&I | 7 yrs fixed | - | 6.29% | 6.66% | - |
Rate changes
One change logged, newest first.
| Date | Rate | Was | Now | Change |
|---|---|---|---|---|
| 31 Oct 2026 | Fixed, P&I, 7 yrs fixed | 6.19% | 6.29% | up 0.10 |
Each change is logged the night it appears in the rates The Mac 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 out4
- DEFAULT_NOTICES$55
- PERSONAL_LOAN_FEE$250
- PPSR_REGISTRATION_FEE$15
- PPSR_VARIATION_FEE$10
When you make a transaction1
- COLLECTION_FEE
At cost fee
Varies
Features
RedrawInstant paymentsPayIDDigital banking
Eligibility and limits
- Minimum age 18
- Available to individuals
- Minimum balance $1,000
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Published by The Mac under the Consumer Data Right, last changed by them on 2 Nov 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.