Personal Loan Unsecured

As of 18 September 2026, the Northern Inland Credit Union Limited Personal Loan Unsecured has a comparison rate of 15.58% (from 12.49% advertised), ranking 200th of 212 unsecured loans tracked by BankMate and sitting 1.55 points below the unsecured market average of 17.13%. It is an unsecured fixed-rate loan for home improvement with fees of $200 application · $8 a month. Lenders publish the lowest rate in their range; the rate offered depends on the applicant.

15.58%comparison rate p.a.

from 12.49% advertised · Unsecured · fixed · home improvement

Fees: $200 application · $8/mo.

Go to Northern Inland Credit Union Limited

Rate over time

Comparison rate · lenders publish the lowest rate in their range

Personal Loan Unsecured
RBA cash rate
Unsecured average

Changes

No changes recorded for this product since tracking began on 12 September 2026.

Rates

Advertised rate: from 12.49% p.a.
Comparison rate: 15.58% p.a.
Rate type: Fixed

Fees

Application fee: $200
Monthly fee: $8
Annual fee: None
Early repayment fee: None
Late payment fee: $15

Loan terms

Loan amount: $5,000 – $50,000
Loan term: 1 year to 1 year
Extra repayments: Yes
Early payout: Yes
Redraw: Yes
Flexible repayment frequency: Yes

Eligibility

Minimum age: 18
Residency: Australian residents only

About this product

Achieve your personal goals with an unsecured fixed loan for up to 5 years - consolidate debts, home renovations, dream holiday or investment venture, education, wedding or household goods.

Compare all personal loans