Car Loan Comparison Table
Check out the features and benefits of an Orange Credit Union car loan. Use our Car Loan Calculator to compare your options. |
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Key Features | New Car | Used Car Loan | Used Car Loan | Used Car Loan | Used Car Loan | |
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Vehicle age | New | 1-3 years | 1-3 years | More than 3 years | More than 3 years | |
Deposit Required | 0% | 20% | 0% | 20% | 0% | |
Interest rates | ||||||
Interest rate (pa) | 6.98% pa | 8.99% pa | 9.99% pa | 10.20% pa | 10.95% pa | |
Comparison rate (pa)* | 7.21% pa1 | 9.22% pa1 | 10.23% pa1 | 10.44% pa1 | 11.19% pa1 | |
Loan amounts and repayment terms | ||||||
Minimum loan amount | $15,000 | $10,000 | $10,000 | $10,000 | $10,000 | |
Maximum loan amount | Subject to application | Subject to application | Subject to application | Subject to application | Subject to application | |
Loan period | up to 7 years | 7 years | 7 years | 7 years | 7 years | |
Repayments | ||||||
Repayments | Monthly, Fortnightly, Weekly | Monthly, Fortnightly, Weekly | Monthly, Fortnightly, Weekly | Monthly, Fortnightly, Weekly | Monthly, Fortnightly, Weekly | |
Repayment Options |
- Payroll deduction - Periodical payment - Internet Banking - Phone banking - NAB Deposit |
- Payroll deduction - Periodical payment - Internet Banking - Phone banking - NAB Deposit |
- Payroll deduction - Periodical payment - Internet Banking - Phone banking - NAB Deposit |
- Payroll deduction - Periodical payment - Internet Banking - Phone banking - NAB Deposit |
- Payroll deduction - Periodical payment - Internet Banking - Phone banking - NAB Deposit |
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Interest Charges | Calculated daily, charged monthly | Calculated daily, charged monthly | Calculated daily, charged monthly | Calculated daily, charged monthly | Calculated daily, charged monthly | |
Variable and lump sum repayments | Yes | Yes | Yes | Yes | Yes | |
Early repayments without penalty | Yes | Yes | Yes | Yes | Yes | |
Fees | ||||||
Free Loan Redraw | Yes | Yes | Yes | Yes | Yes | |
Monthly Account Keeping/service fees | $0 | $0 | $0 | $0 | $0 | |
Automatic Repayments (Payroll) | Yes | Yes | Yes | Yes | Yes | |
Easy to apply for loan | Phone, Online, Branch | Phone, Online, Branch | Phone, Online, Branch | Phone, Online, Branch | Phone, Online, Branch |
1 Comparison rate based on $30,000 over 5 years A comparison rate is the interest rate plus all known fees and charges that will be incurred with this loan. 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. Please review our Comparison Rate Schedule for other loan amounts.
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Calculators
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Home Loan
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Fees & Charges
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Base Variable Rate Home Loan
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Personal Loan
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I love that it is local and looks after local people and even though I have moved I do not want to let go of OCU as I feel it is a part of
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It is situated locally; all the staff are friendly and will always help you. Your money stays in town and is used to help someone who is a
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For the last 40 + years I have banked with the credit union and the big majority of all money loans that I have had, have been through the
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