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South West Slopes Credit Union provides a range of loan products at very competitive interest rates, for any worthwhile purpose.

All interest rates are variable, there are no application fees or loan administration fees, for any of our loans, and the member has the choice of making repayments weekly, fortnightly or monthly, making budgeting easy.
Instalments may be increased at any time and there is no penalty for early repayment, giving the member flexibility and the opportunity to save on interest charges.

Repayments may be made by direct deduction from your income, debited to your working account or paid over the counter.

Your application may be taken by one of our friendly loans officers, via facsimile or online and an answer will generally be given within 24 hours, so take control of your finances and make an application to-day.

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Home Loans – with redraw facility

South West Slopes Credit Union provides a standard variable rate housing loan, at a very competitive interest rate with the option of redraw facilities. Whether it is your first home, updating to a new home or an investment home, the same terms and conditions apply.

Features
Interest Rate Standard Variable at competitive rates Current rate
Redraw Option A redraw facility – make additional repayments to reduce your loan balance and the accrued loan interest and have these funds available for future requirements. ·Minimum redraw $500 ·Maximum redraw – payments in advance less one month contractual installment. ·No redraw fee
Loan Amount ·Maximum 90% of security property valuation
Lenders Mortgage Insurance Applicable if you borrow more than 80% of security property valuation
Loan Term Up to 30 years
Repayment Options ·Weekly· Fortnightly· Monthly· Principal plus interest
Additional Repayments No restrictions – so you can pay off your loan faster and save on interest costs
Application Fee None
Account Keeping Fees None
Establishment Fee None
Applications Apply on line Contact our branches Important Information
1. Applications are subject to our normal credit assessment criteria.
2. Terms and Conditions apply.
3. Interest rates may change.
4. Comparison rates are based on a loan amount of $150,000 over 25 years. View the Comparison Rate Schedule.
5. Fees and Charges may apply.

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Visa – Credit Card

South West Slopes Credit Union provides a Visa Credit Card, at a very competitive interest rate. Our Visa Classic credit card is acceptable world wide and allows our members access to online shopping.

Features
Interest Rate Current rate
Annual Fee $30.
Limits ·Minimum $500. ·Maximum $20,000.
Interest Free Days Up to 55 days interest free on purchases. Refer Visa Classic Credit Card Conditions of Use (In FLIPBOOK format).
Additional Card Free.
Account Access Visa classic card allows access to own savings and credit limit with the one card.
Additional features Access to your card balance, transaction history, funds transfer facilities and BPAY 24 hours a day, seven days a week via Phone Banking and Internet Banking.
Payment Options ·Over the counter at any branch. ·Periodic Payments from savings account weekly, fortnightly or monthly by way of minimum monthly payment amount, fixed amount or total balance.
Account Keeping Fees None
Establishment Fee None
Applications Apply on line Contact our branches Important Information
1. Applications are subject to our normal credit assessment criteria.
2. Terms and Conditions apply.
3. Interest rates may change.
4. Fees and Charges may apply.
5. Please refer to our Visa Classic Credit Card Conditions of Use for further information.

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Personal Loans

South West Slopes Credit Union provides personal loans for any worthwhile purpose. Our flexible terms allow us to find a repayment that suits your budget.

Whether it is for those dreams or the necessities in life, or to consolidate other debts, South West Slopes Credit Union has the flexible terms to allow us to find a repayment that suits your budget.

Here are some of the purposes for a South West Slopes Credit Union personal loan:
• Motor Vehicle
• Furniture
• Home Improvements
• Holiday
• Caravan or Boats
• Education or Medical expenses
• Personal Computers
• Consolidation of existing debts

Features
Interest Rate Both Secured and Unsecured at competitive rates. All interest rates are variable and charged on a monthly basis. Current rate
Loan Amount ·Maximum $80,000
Loan Term Up to 84 months
Repayment Options ·Weekly ·Fortnightly ·Monthly ·Principal plus interest
Additional Repayments No restrictions – so you can pay off your loan faster and save on interest costs
Application Fee None
Account Keeping Fees None
Establishment Fee None
Early Repayment Fee None
Approval Assessment by local team & approval within 24 hours
Applications Apply Online Contact our branches Important Information
1. Applications are subject to our normal credit assessment criteria.
2. Terms and Conditions apply.
3. Interest rates may change.
4. Fees and Charges may apply
5. Please refer to our Product Disclosure Statement for further information.