• Borrow from $1,000 to $50,000

Subject to our assessment of your personal financial circumstances.

• Quick decision

No matter how you apply you'll get an instant credit decision (subject to planned maintenance periods).

• Fixed repayment terms

You always know how much you need to repay each month.

• Repayment holidays

You could have the option of a repayment holiday for the first three months or every January for the life of your loan. More interest will be payable overall.

• Funds transferred same day

If approved online or in branch, you'll receive the money in your account the same day. If your application is referred, we may require further information, and the paperwork may need to be completed in branch or by post.

• Apply for additional borrowing

If you already have an Shires Alliance Credit Union Personal Loan, you can apply to borrow more online.

• Make overpayments

You can make overpayments without charge, which may reduce the amount of interest you pay.

3.3% APR* Representative

For loans between $7,000 and $30,000.

*The rate is subject to change and the representative APR may not be the rate you'll receive. We'll offer you a rate based on our assessment of your personal financial circumstances. The maximum APR you could be offered is 21.9%.

The APR rates may vary based on amount borrowed. Please use the calculator for more details.