Overview
Benefits
You can enjoy the following benefits:
- Competitive variable rate loans
- Additional repayments accepted
- Ability to make lump sum payments without penalty
- No monthly account keeping fees/admin fees
- No penalty for early payout
- Automatic payment through direct credit/payroll deductions or regular payments from your Firefighters savings account
- Flexible repayment options – choose from weekly, fortnightly or monthly.
Eligibility
To be eligible, you must:
- be a Firefighters Credit Co-operative member
- be 18 years and over, and
- meet our credit assessment criteria.
Features
Features of our personal loan include:
- minimum loan amount $500.00
- maximum term 7 years
Rates
Loan Interest Rates
Effective 1st December 2020
|
Housing Loans (1)
Mortgage Breaker Home Loan
Protector Home Loan
|
Comparison Rate
4.05% p.a.
3.29% p.a.
|
|
Personal Loans (4)
Personal Loan (Standard Variable)
Personal Loan (Special Variable)
Low Rate Personal Loan (3)
|
13.49% p.a.
11.49% p.a.
6.00% p.a.
|
Car Loans
Special New Car Loan rate* (2)
New Car Loan (100% of invoice) (2)
Used to 3 Years (3)
|
5.74% p.a.
8.75% p.a.
9.15% p.a.
|
Business Loans
Secured by Mortgage
|
5.14% p.a. |
Overdrafts
Approved
Over approved limit
|
14.95% p.a.
16.95% p.a.
|
Overdrawn Savings Account
No pre-approved limit
|
16.95% p.a.
|
Please click here for a copy of the current Loans Interest Rate brochure
(1) Comparison rates have been calculated on an amount of $150,000 over a term of 25 years
(2) Comparison rate has been calculated for a secured loan for an amount of $30,000 over a term of 5 years
(3) Comparison rate has been calculated for a secured loan for an amount of $10,000 over a term of 3 years
(4) Comparison rate has been calculated for an unsecured loan for an amount of $10,000 over a term of 3 years
* Minimum loan $15,000
Comparison Rates:WARNING: These comparison rates are true only for the examples given and may not include all fees and charges.Different terms,fees or other loan amounts might result in a different comparison rate.
Fees and charges apply. Information on Terms & Conditions, fees and charges and interest rates are available upon application or request
Fees & Charges
Refer to Fees & Charges for information on current fees & charges.
Apply Now
Download an application form or if you would like to find out more about our personal loans, simply speak to a staff member today by contacting our office during branch hours on (03) 8417 1777 or 1300 366 350 or email This email address is being protected from spambots. You need JavaScript enabled to view it..
