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Car loans for the lifestyle you desire

Whether upgrading your vehicle, adventuring off-road in your four-wheel drive, or having fun on the water in your dream boat or jet ski, The Capricornian’s secured personal loan options could be your answer!

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Repayment calculator

Work out how much you may be able to borrow.

Car Loan Calculator
  • Available to individuals*
  • No annual or monthly loan fees
  • Application fee of $250 applies
  • No early payout fees
  • Additional repayments without penalty
  • Redraw facility available via online banking or the Cap App**
  • Flexible repayment options: weekly, fortnightly or monthly
  • Minimum Loan Amount $3,000 – Maximum Loan Amount $100,000

Product information is applicable to both fully secured and partially secured personal loan products.

Loan Type Variable Interest Rate Comparison Rate 1
Fully secured personal loan (up to 7 years) 7.59% p.a 8.02% p.a
Partially secured personal loan (up to 5 years) 10.59% p.a 11.03% p.a

Rates effective from 13/11/2023

Fully Secured Personal Loan Purpose:
• Seeking a loan to purchase a brand new motor vehicle, motor bike, boat, jet ski, caravan and/or a motor home; registered with Personal Property Securities Register (PPSR).
• Are able and willing to offer the item purchased as acceptable security for the loan, so as to secure the fully secured personal loan interest rate – security value must be more or equivalent to the value of the loan.

Partially Secured Personal Loan Purpose:
• Are seeking a loan for a worthwhile purpose including to make a purchase or to consolidate an existing debt;
• Are able and willing to offer acceptable security of a used vehicle totaling at least the value of the loan, so as to secure the partially secured personal loan interest rate;
• For property registered with Personal Property Securities Register (PPSR); used vehicle cannot be more than 7 years old.

Credit eligibility criteria, terms and conditions, fees and charges apply. The Capricornian Ltd. ABN 54 087 650 940. AFSL/Australian Credit Licence 246780.

Secured and unsecured personal loan products available to individuals only. *Product not available to business customers.

**In branch redraw fee of $30 applies.

No ongoing monthly or annual fees for the duration of the loan.

¹This comparison rate is based on a secured loan of $30,000 over five (5) years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Interest rate will be based on a number of factors, including the information provided, ability to offer acceptable security where value is more or equivalent to the value of the loan and the assessment of the application.

Consider the relevant Target Market Determination (TMD).

You are eligible to apply for a personal loan if you are over 18 years of age, live in Central Queensland (SA4), are a permanent resident in Australia and meet the credit assessment criteria for the product. If you are not an existing Capricornian Member, it is necessary to become a member before the loan is approved.

In order to assess your loan application, we require:

  • Personal Identification
  • Income verification
  • Evidence of liabilities and assets

View other requirements on this information sheet.


You can make repayments weekly, fortnightly or monthly, provided your minimum monthly repayment amount has been paid into the loan by the due date.

Yes, you can make extra repayments as often as you like, without penalty.

Your loan approval is valid for two (2) months from the date the approval is provided, as long as the details provided on your original application have not changed. (e.g. you are still with the same employer).


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