bcu
New Car Loan
bcu · pers loans
Provider last updated this product 2026-09-30.
Get a step closer to your dream car with a car loan from BCU Bank. Available for new and used cars with redraw, flexible terms and the ability to pay out early with no additional fees.
As published by the lender
- Vehicles - New or used vehicles
Lending rates
| Type | Rate | Comparison^ | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| VARIABLE | 6.74% | 7.05% | OTHER | PRINCIPAL AND INTEREST | - | - | calculated daily, paid monthly |
| Rate available to existing customers. Rate available for new accounts. Rate available to new customers. | |||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Statement Retrieval Fee | REPLACEMENT | $2.50 | Fee applies for statements over 12 months old. Payable on request to issue a copy of a previously issued statement. |
| Statement Retrieval > 12 Mths | EVENT | $2.50 | - |
| Loan Establishment Fee | UPFRONT | $200 | One off establishment fee. |
| Goods Security Administration Fee | UPFRONT | $20 | Charged per vehicle taken as security. |
| PPSR Search Fee | UPFRONT | $3.70 | Payable at cost for obtaining a search on the Personal Property Securities Register. |
| PPSR Registration Fee | UPFRONT | $11.40 | Payable at cost for registering the loan security on the Personal Property Securities Register. |
| Late Payment Notification Fee | LATE_PAYMENT | $5 | When payment to a personal loan becomes overdue by 11 and 30 days. |
| Notice of Demand Fee | EVENT | $75 | When payment to a personal loan becomes overdue by 46 days. |
| Collection Agent Administration Fee | LATE_PAYMENT | $100 | Payable when you are in arrears for more than 90 days and we choose to engage an external collection agent. |
| Management Administration Fee | LATE_PAYMENT | $50 | When payment to a personal loan becomes overdue by more than 90 days. |
| Default Interest Rate | OTHER | - | A default rate may be charged on any overdue amount if you fail to pay the amount due under the loan contract by its due date. The default rate is 2% per annum above the Annual Percentage Rate applying to the loan account and accrues daily from the due date until payment is made. |
Rate history
Rate Comparison rate
The figures behind this chart
| From | Until | Rate | Comparison |
|---|---|---|---|
| 2026-07-15 | 2026-09-30 (current) | 6.74% | 7.05% |
Published figures as captured daily since 2026-07-15. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
Who can apply
- min age - 18
- natural personMember must be a natural person rather than another legal entity.
- otherCredit eligibilty criteria, terms and conditions, fees and charges apply.
- otherYou must be or become a BCU Bank member
- residency status - Personal Lending is not available for non-residents.
Limits
- max limit - 150000.00Maximum loan amount is $150,000
- min limit - 4000.00Minimum loan amount is $4,000
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-09-30T16:00:43.1982365Z · Product ID: 189