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10.99% pa
Variable Rate

11.82% pa
Comparison Rate

Enquire OnlineBook an Appointment

Northern Inland's Unsecured Smart Personal Loan helps you achieve your personal goals faster and easier. You have the choice between a Variable and Fixed rate to suit your individual needs. This is a fast and convenient way to get the things you want or pay for the things you need including consolidating debts, buying a boat, home renovations, holiday or investment venture, education, a dream wedding or household goods.

  • Variable or fixed rate term of 1-5 years
  • Maximum loan amount $25,000
  • Low establishment fee
  • Free redraw
  • Flexible repayment options

6.79% pa
Variable Rate

7.64% pa
Comparison Rate

Enquire OnlineBook an Appointment

Northern Inland's Smart Personal Loan can be secured by a vehicle or Term Deposit. Choose between a fixed or variable interest rate to suit your next purchase or holiday adventure.

  • Interest rate varied depending on the type of security used
  • 1 to 5 year fixed rate term
  • 1 to 7 year variable rate
  • $5000 minimum loan amount
  • Low establishment fee
  • Apply for pre-approval so you can shop with confidence, knowing how much you have to spend



  Unsecured Smart Personal Loan Features:
Unsecured Personal Loan
Interest Rates
Variable interest rate10.99% pa
Fixed interest rate14.00% pa
Comparison rate11.82% pa1
Fixed Rate Comparison Rate14.82% pa1
Fees
Establishment fee$200 
Monthly fee$8 
Features
Minimum amount$5000 
Maximum amount$25000 
Loan term1 to 5 years
Redraw facilityYes 
Additional repayments acceptedYes 

  Secured Smart Personal Loan Features:
Secured Personal Loan
Interest Rates
Variable interest rate6.79% pa
Comparison rate7.64% pa
Secured by Vehicle 0 to 5 yrs or Term Deposit
0 - 5 yrs - Variable Secured Rate6.79% pa
0 - 5 yrs - Variable Secured Comparison Rate7.64% pa
0 - 5 yrs - Fixed Secured Rate7.99% pa
0 - 5 yrs - Fixed Secured Comparison Rate8.84% pa
Secured by Vehicle 6 to 10 yrs or Term Deposit
6 - 10 yrs Variable Secured Rate8.99% pa
6 - 10 yrs Variable Secured Comparison Rate9.83% pa
6 - 10 yrs Fixed Secured Rate9.99% pa
6 - 10 yrs Fixed Secured Comparison Rate10.83% pa
Fees
Establishment fee$200 
Monthly fee$8 
Features
Minimum amount$5000 
Maximum amount$100000 
Loan term1 to 5 year term fixed or 1 to 7 years variable2
Redraw facilityYes 3
Additional repayments acceptedYes 4

 

  Additional Product Information:

 

 

Important Information:

Credit criteria and fees and charges apply. Terms and Conditions are available on application. The issuer of this product is Northern Inland Credit Union Limited. The target market determination for this product is available at nicu.com.au/disclosures.

1 These comparison rates apply to unsecured loans with 5 year terms for $30,000. WARNING These comparison rates apply 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.

2 Term depends on security offered. Loans secured by vehicle 6-10 yrs have a loan term of 1-5 years only

3 Minimum redraw is $200

4 For Fixed Rate - make extra repayments totaling up to $10,000 over 12 months (as 2 x $5,000 lump sums) during any fixed rate period