Loan Application Process
Obtaining a personal loan does not need to be a stressful experience, at the Orange Credit Union our friendly Lending Relations Officers will help guide you through the complete process from first inquiry all the way through to the signing of your documents and beyond. Below is a simple guide of our application through to signing process.
Below is a simple guide of our application through to settlement process.
The initial enquiry
You can discuss your needs with one of our lending relations officers over the phone, or come into the branch for a face to face meeting. This is where we will discuss exactly where you are up to with your home loan journey and give you the information you need to move forward. It doesn’t matter if you are just starting to save, or you are ready to submit an application, this is where we get to know you, and what you want to achieve. You can also visit our website for help with general information such as interest rates, inclusions guidelines, and calculators etc.
4 easy ways to submit your application
Electronically onlineThis is an easy process that you can do at your convenience 24/7. |
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Over the phoneOver the phone, with our loans team, they are available between 9am and 5.30 pm Monday to Friday. |
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Make an appointmentSit down, or arrange a call with a member of our Loans team. They will submit your application. |
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Download an application
Download an application form, or pick one up in branch. |
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Once we have received your application
If not already discussed, within 24-48 hours of receiving your application one of our Loans Officers will contact you, go through it with you, and let you know if any additional information or documentation will be required to process your application.
Conditional approval
Should your application meet our lending requirements we will then be able to grant you a “Conditional approval”, At this point we invite you to find a house (if not already done so), once you have found your new home, or if you are refinancing an existing home, this is when we organise a valuation of the property.
If you are applying for a secured loan, e.g. buying a vehicle, caravan bike or boat, it is at this point that we invite you to go shopping to find what you are looking for, once you have found the particular vehicle, we will ask for you to supply details for the vehicle, (tax invoice or copy of the current registration), for a valuation and necessary checks on the vehicle. Once all these points meet our lending criteria, we can move to Full approval. If you are applying for an unsecured loan, we will grant you full approval at this point.
Quick links
Apply Now
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Membership
Become a member of Orange Credit Union
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Open an account
Open a Savings or Transaction Account
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Home Loan
Apply for a Home Loan
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Personal/Car Loan
Apply for a Personal or Car Loan
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Internet Banking
Get Internet or Phone Banking
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General enquiries
Ask us a question
Products
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Home Loans
Fixed or variable rate home loans
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Car Loans
New and used car loans
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Personal Loans
Secured, part-secured and unsecured loans
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Savings Accounts
Earn up to 2.20% interest p.a.
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Everyday Accounts
Transaction accounts for everyday needs
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Investment Accounts
Term Deposits ranging from 3 to 36 months
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Insurance
Proudly partnered with QBE and Zurich
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Financial Planning
Proudly partnered with Bridges
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Travel
International travel product range
Calculators
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Loan Repayments
Enter a loan amount, interest rate and repayment frequency to calculate a repayment estimate
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Car Loan
Get an idea of how much you can borrow and your repayments
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Personal Loan
Calculate how much you might be able to borrow for personal use
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Budget Planner
Managing your budget and potential savings
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Savings Plan
Need help saving? Our Savings Plan Calculator can help
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View all calculators
Not sure where to start? Get the right tools for the job
Rates & Fees
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Home Loan
Compare our home loan interest rates
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Personal Loan
Compare our personal loan rates
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Car Loan
Compare our personal loan rates
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Savings Account
View our savings account table
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Investment Account
View our term deposit interest rate table
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Fees & Charges
Personalised service and a fair fee structure
Special Offers
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Base Variable Rate Home Loan
Limited time only
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Kids Super Saver
Limited time only
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Personal Loan
Limited time only
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AMIGO Credit Card
Limited time only
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View all special offers
One convenient location
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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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