• Our Discounted Personal Loan (Car Loan) offers a low rate of 4.65% p.a. (4.99%*p.a. comparison) with fast pre-approval, flexible loan terms and is available when loans are secured against a new or used car or caravan up to five years of age with a loan value greater than $20,000.
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Key benefits

  • Fast pre-approval

  • Flexible loan terms up to 10 years

  • Flexible repayment options; pay weekly, fortnightly or monthly

  • No monthly account fees

  • No penalty for additional repayments or early payout

  • Redraw facility against your extra payments

Do some quick maths

Calculate how much your loan repayments will be, how long it will take to pay back the loan and options for making extra repayments.
Personal loan calculator

    What you need to know

    When you apply for a loan, please have the following information handy.

    • Income details

      Pay slips, child support, pensions, overtime, allowances, rental income, commissions etc

    • Expense details

      Utility bills, rent, board, maintenance, lease payments etc

    • Asset information

      Cash savings, value of motor vehicles, shares, bonds, property, furnishings etc

    • Any other loans or liabilities 

      Such as home loans, credit cards or other debt through buy now, pay later services

    • Residential and employment details

      For the last three years

    • Identification

      Australian driver's licence number and expiry

    Compare these personal loans

    If you aren’t sure which loan will be best for your needs, our comparison tool is a great place to start.
    Compare personal loans

      Apply today

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      ^Privacy Notice: People’s Choice Credit Union is collecting the above information so that we may respond to your enquiry and provide information in relation to products and services we provide. We will only use this information, unless you are already a member or subsequently decide to obtain a service or product from us,  to respond to your enquiry and to contact you from time to time to provide you with information about services and products which may be of interest to you (including products and services of third parties). We may not be able to contact you if you do not provide to us this information. You can opt out of receiving direct marketing from us at any time. We disclose your personal information to relevant members of our staff. We may also disclose your personal information to agents, contractors, government agencies and bodies  who assist us in our dealings with you. Our Privacy Policy (which you can obtain at this link, in branch or by contacting us on 13 11 82 and asking for a copy) contains more information on how you can access and correct your personal information, how we use your personal information (including how to opt out of marketing), how to complain if you believe we’ve breached our privacy obligations, and how we deal with complaints. It also provides more detail on how we manage and protect your personal information if you are interested. People's Choice address is 50 Flinders St, Adelaide, 5000.