This means that the monthly repayment and total amount repayable listed alongside any personal loan example should only be used as an indication of the minimum you will be asked to pay back. annual percentage rate) is the rate that at least 51% of borrowers will be charged the actual rate your lender offers you could be quite a bit higher, depending on your credit score. Once you’ve taken out such a loan, you will need to make a set repayment every month for a period of time that is previously agreed upon with your lender. Depending on the arrangement we may receive a modest commission either when you press a 'Go To Provider's Site' or 'Speak To A Broker' button, when you call an advertised number or when you complete an application following a link from our website.Ī personal loan, also known as an unsecured loan, allows you to borrow a certain amount of money in exchange for paying a certain amount of interest, which will be charged as long as it takes you to pay off the loan. We also use ‘Speak to A Broker’ links where we have an arrangement with a preferred broker to move you directly to their site. ‘Go To Provider's Site’ links are where we have an arrangement with a provider so you can move directly from our site to theirs to view more information and apply for a product. Please check all rates and terms before borrowing. Fees and rates subject to change without notice. Depending on your personal circumstances the APR you are offered may be higher, or you may not be offered credit. The APR quoted is representative of the interest rate offered to most successful applicants. DisclaimerĪll loans are subject to the applicant’s status. None of these arrangements affects our independence. We will receive a payment from credit providers where customers link to them from .uk. Contact us on 13 11 82 with any questions, or visit your nearest branch to talk to a .uk Limited is an independent credit broker not a lender. Before using this advice to decide whether to purchase a product, you should consider your personal circumstances and the relevant Product Disclosure Statement (PDS), other Disclosure Documents, and Target Market Determination (TMD). Any advice provided is general advice only and does not take into consideration your personal objectives, financial situation or needs ("your personal circumstances"). Information such as interest rates quoted and default figures used in the assumptions are subject to change. Individual institutions apply different formulas. Results do not represent either quotes or pre-qualifications for the product. The results from this calculator should be used as an indication only. Comparison rates are based on an unsecured loan of $10,000 with monthly repayments over a term of 3 years. Car, caravan or motorcycle up to 7 years old, and Discounted Personal Loan comparison rates are based on a secured loan of $30,000 with monthly repayments over a term of five years.
The repayment amount is based on certain assumptions, should be regarded as indicative only, and is not a quote nor pre-qualification for a personal loan. Terms, conditions, fees, charges and lending criteria apply and are available on application. People's Choice address is 50 Flinders St, Adelaide, 5000. It also provides more detail on how we manage and protect your personal information if you are interested. 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. We may also disclose your personal information to agents, contractors, government agencies and bodies who assist us in our dealings with you. We disclose your personal information to relevant members of our staff.
You can opt out of receiving direct marketing from us at any time. We may not be able to contact you if you do not provide to us this information. 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). 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.