Personal Loan Rates

To view more information on the about The Capricornian’s Personal Loan products, select the link below.

Personal Loans

Interest Rates effective from the 1 March 2018 (terms and conditions available on request).

Loan Type

Interest Rate p.a.

Comparison Rate p.a.

New Car Loan Protected 1 5.95% 6.30%**
New Car Loan Unprotected 9.95% 10.32%**
Auto Loan $5,000 + (Vehicles up to 3 years) Protected 1 7.95% 8.31%**
Auto Loan $5,000 + (Vehicles up to 3 years) Unprotected 11.95% 12.33%**
Auto Loan $5,000 + (Vehicles up to 8 years) Protected 1 9.95% 10.32%**
Auto Loan $5,000 + (Vehicles up to 8 years) Unprotected 13.95% 14.34%**
Personal Loan $5,000 – $10,000 Protected 1 15.95% 17.78% *
Personal Loan $5,000 – $10,000 Unprotected 19.95% 21.83% *
Personal Loan $10,000 + (Unsecured / Partly Secured) Protected 1 12.95% 13.34% **
Personal Loan $10,000 + (Unsecured / Partly Secured) Unprotected 16.95% 17.36% **
Personal Loan $10,000 + (Fully Secured) Protected 1 9.95% 10.32% **
Personal Loan $10,000 + (Fully Secured) Unprotected 13.95% 14.34% **
Student / Apprenticeship Loan $2,000 – $10,000 Protected 1 14.95% 16.77% *
Student / Apprenticeship Loan $2,000 – $10,000 Unprotected 18.95% 20.82% *
Student / Apprenticeship Loan $10,000 + (Unsecured / Partly Secured) Protected 1 11.95% 12.33% **
Student / Apprenticeship Loan $10,000 + (Unsecured / Partly Secured) Unprotected 15.95% 16.35% **
Student / Apprenticeship Loan $10,000 + (Fully Secured) Protected 1 8.95% 9.32% **
Student / Apprenticeship Loan $10,000 + (Fully Secured) Unprotected 12.95% 13.34% **

1Protected means you have chosen to protect your loan with Consumer Credit Insurance (CCI). You can choose to protect your loan with (CCI) which is designed to meet your loan obligations and provide you with the security that your major commitment will be take care of in the event of certain unforeseen circumstances including unemployment, sickness and accident, trauma and life.
The insurance product issued by Insurance Australia Limited ABN 11 000 016 722 AFSL 227 681 trading as CGU Insurance. For the Life and Trauma covers, IAL hold an insurance policy issued by National Mutual Life Association of Australasia ABN 72 004 020 437 AFSL 234 649 a member of AMP Group (NMLA). IAL administers the Life and Trauma cover on behalf of NMLA and IAL’s liability under that policy is limited to the administration of that cover including the management of claims. Premium rates for Loan Cover may vary without notice.

This is general information only and does not take into account your individual objectives, financial situation or needs. Before making decisions about any of these insurance products you should consider the appropriateness of the information having regard to your circumstances and the applicable Product Disclosure Statement (PDS), available at any Capricornian branch, or by calling 1300 314 900.

* Comparison rate calculated on a loan of $10,000 over 3 years.
** Comparison rate calculated on a loan of $30,000 over 5 years.
WARNING: The 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.