We may also disclose your personal information to agents, contractors, government agencies and bodies who assist us in our dealings with you. We disclose your personal information to relevant members of our staff. You can opt out of receiving direct marketing from us at any time. We may not be able to contact you if you do not provide to us this information. We will only use this information, unless you are already a member or subsequently decide to obtain a service or product from us, to respond to your enquiry and to contact you from time to time to provide you with information about services and products which may be of interest to you (including products and services of third parties). Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.People’s Choice Credit Union is collecting the above information so that we may respond to your enquiry and provide information in relation to products and services we provide. Different amounts and terms will result in different comparison rates. WARNING: This comparison rate applies only to the example or examples given. It may not be the actual rate you receive. (comparison rate 8.90% p.a.), may be offered to customers with an excellent credit history.Ĥ At least half of our customers will receive the representative rate or lower. comparison Rate), based on this representative rate the estimated total amount payable including fees is $42,624ģ Interest rates at the lower end of our range, for example 7.99% p.a. to 20.83% p.a.). The estimated total amount payable including fees is between $37,239 and $48,429 Comparison rates and examples are based on a $30,000 unsecured fixed rate loan over 5 years: Unsecured Fixed Rate Personal Loan interest rate ranges and the representative rate are set out below. Fees and charges are payable.įollowing the fixed rate period, if your loan hasn’t been repaid in full, the Standard Variable Rate will apply which is currently 13.50% p.a. This interest rate is effective as of 6 March 2020. Full terms and conditions will be included in our loan offer. View the Personal Loan Terms and Conditions. Unavailable if an application is incomplete or needs to be referred for a more detailed review by a lending specialist, if required documentation isn’t provided and subject to system availability.Īpplications for finance are subject to the Bank’s normal credit approval. Subject to credit checks and assessment of your financial situation. To find out more read our Go Green with a Personal Loan guide.ġ Additional repayments made on a Fixed Rate Loan are not available to be redrawn.Ģ You may be eligible for same day funding if you’re approved, accept your contract and complete verification by 4pm Monday to Friday (Sydney/Melbourne time). ** Eligibility criteria, terms and conditions apply. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. * The comparison rate is based on a $30,000 unsecured fixed rate loan over 5 years. We'll confirm your interest rate upon submission of your application. Your interest rate may be different and is based on a number of factors, including your credit history, the information you provide and our assessment of your application. ^ At least half of our customers will receive the representative rate or lower. You can find out more about how your credit score is calculated and tips for improving your credit score at our Credit Score Information Hub. (comparison rate 8.90% p.a.*), may be offered to customers with an excellent credit history.Īn excellent credit history is determined by, among other things, paying your bills and making loan repayments on or ahead of time, being disciplined with your credit applications, and not overextending yourself financially.Īctions which can negatively impact your credit history include missing bill or loan repayments, defaulting on your credit facility, or making a large number of credit applications in a short period of time. ~ Interest rates at the lower end of our range, for example 7.99% p.a.
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