No monthly fees
So you can keep a little extra money in your pocket.
Free redraw
So you can access your funds if you’re ahead on your repayments.
Pay it off sooner
Make extra repayments and pay off your loan early without being charged a fee.
Flexible loans
Borrow as little as $4,000, and you’ll have up to five years to repay the loan.
Choose from our personal loans
Secured personal loan
A personal loan with a variable rate, secured against a car up to seven years old, as well as new motorbikes.
Variable rate
Comparison rate*
Unsecured personal loan
An unsecured personal loan with a variable rate and choice of loan term up to five years.
Variable rate
Comparison rate*
How much could your repayments be?
Crunch the numbers, plan ahead, and even find out how much you could you save if you pay extra on your loan.
Personal loan repayment calculator
More calculators
Purpose-built personal loans
Buy a new or second-hand car
New or old car? Secured or unsecured personal loan? Whatever your preference, we can help you with your set of wheels.
Debt consolidation
Not even a circus performer would want to be juggling debts, so why should you have to? Simplify your repayments with a debt consolidation loan.
Travel the world
Dreaming of your next holiday? Well, it doesn’t have to be just a dream! With a BCU Bank loan for travel, you could turn your wanderlust into reality.
What's the personal loan application process like?
Apply for your loan
Complete your loan application and provide us with your ID and supporting documents.
Assessment and approval
We’ll take a look at your loan application, and will be in touch if we have any questions or need any more info.
Sign your contract
We can send your contract to you electronically, or you can sign it at your local branch.
Your loan is funded!
In other words, you’ve got your money. Don’t forget to set up your repayments online!
How to apply for a personal loan
Apply in person or over the phone
Talk to one of our lending specialists and apply over the phone by calling our contact centre on 1300 228 228, or pop into your local branch.
Alternatively, you can enquire online and one of the team will be in touch soon!
Make an enquiryA little preparation can make your personal loan application quicker and easier. Make sure you have the following ready:
- Identity documents
- primary photo ID (e.g. passport or driver licence), or
- primary ID without a photo (e.g. birth certificate or citizenship certificate) and a secondary ID (e.g. utility bill with your name and address on it).
- Employment details – contact details of your current and previous employer (if current is less than two years).
- Income details – payslips or, if you're self-employed, tax assessments for the last two years, and financial statements.
- Regular expenses – such as rent, food, electricity, insurance, telcos, and medical costs.
- Assets – a rundown of any assets that you own (any cars, savings accounts, home contents, properties, investments).
- Liabilities – the details of any loans, credit cards, buy now pay later, or other debts you have.
Apply in person or over the phone
Talk to one of our lending specialists and apply over the phone by calling our contact centre on 1300 228 228, or pop into your local branch.
Alternatively, you can enquire online and one of the team will be in touch soon!
Make an enquiryA little preparation can make your personal loan application quicker and easier. Make sure you have the following ready:
- Identity documents
- primary photo ID (e.g. passport or driver licence), or
- primary ID without a photo (e.g. birth certificate or citizenship certificate) and a secondary ID (e.g. utility bill with your name and address on it).
- Employment details – contact details of your current and previous employer (if current is less than two years).
- Income details – payslips or, if you're self-employed, tax assessments for the last two years, and financial statements.
- Regular expenses – such as rent, food, electricity, insurance, telcos, and medical costs.
- Assets – a rundown of any assets that you own (any cars, savings accounts, home contents, properties, investments).
- Liabilities – the details of any loans, credit cards, buy now pay later, or other debts you have.
Looking for a credit card instead?
Personal loans aren’t fit for every purpose, or every person. If you’re looking to borrow less than $4,000, want something for your everyday spending, or just feel like a credit card is more your style, we’ve kept things simple with two different options.
Because we're here to help
Apply over the phone or in person
Call us on 1300 228 228 or chat to the team at your local branch.
Find your local branch
You’ll find us from Maroochydore to Port Macquarie – drop in and say hi!
Important information
Banking and Credit products issued by Police & Nurses Limited (BCU Bank).
Any information on this website is general in nature and does not consider your personal needs, objectives or financial situation. Our rates are current as of today and can change at any time. Credit eligibility criteria, terms and conditions, fees and charges apply.
Please consider the terms and conditions and whether a product is right for you.
- View terms and conditions
- View fees and charges
- View Credit Guide
- View Target Market Determinations (TMDs)
*Comparison rate calculated on a loan amount of $30,000 over a term of 5 years based on monthly repayments. Rates quoted may vary depending on loan purpose and security offered.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. 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.