Try our personal loan calculator

Personal loans from 9.9% p.a.*


Borrow $10k from $40 per week*

Whatever your goal, borrowing from Credit Union Baywide could be just what you need to finance your next step in life. Read more about our loans.

*This example is calculated on a loan with full repayments made over a 7 year period at an interest rate of 9.9% p.a. Total repayments over the term of the loan would be $14,281.32 (indicative only). Weekly repayments are indicative only. Variable interest rate. Terms and conditions and normal lending criteria apply. An approval fee of $250 plus other third party service fees may apply. This calculation is intended as a guide only and is not an offer from Credit Union Baywide. All interest rates and fees quoted are subject to change. View our full list of rates and fees here.


Rates and information


Our interest rates are priced using a risk matrix that takes into consideration a range of factors including an individual's credit score and affordability. Based on the assessment of an individual's financial information we will assign a risk grade and the corresponding interest rate could apply. Read more about our loans here.



Secured loan

Unsecured loan

Grade Interest rate p.a.* Interest rate p.a.*
Orange A 9.90% 10.90%
Orange B 11.90% 12.90%
Yellow A 13.90% 14.90%
Yellow B 15.90% 16.90%
Green A 17.90% 18.90%
Green B 19.90% 20.90%
Blue A 21.90% 22.90%
Blue B 23.90% 24.90%
Purple A 25.90% 26.90%
Purple B 27.90% 28.90%


*Note: These interest rates are indicative only and may be subject to change without notice.
As published on as at 6 January 2020.


For information on our loan agreements and terms and conditions click here.


More information on our loans

  • We have flexible borrowing terms available from 6 mths - 7 years
  • The minimum personal loan borrowing amount is $2,000 and the maximum personal loan borrowing amount is $20,000.
  • No early repayment fees - you have the option to make lump sum repayments and pay your loan off faster
  • The minimum personal loan interest rate is 9.90% p.a.
  • The maximum personal loan interest rate is 28.90% p.a.
  • View our interest rates and fees here

When applying for a credit loan it's important to consider all of the costs involved. 

Below is an example of the total costs included over the term of a secured vehicle loan:

$15,000 personal borrowing

+ $250 approval fee

+ $36.51 third party charges (credit check, vehicle check and registering security over vehicle)


Set up over a term of 3 years (157 weeks) at 9.9% p.a. interest = weekly repayments of $112.74