Rates and Fees Loan Interest Rates
Loan Interest Rates
Our interest rates have been designed with you in mind - our members. We do not inflate rates as we do not have shareholders taking a percentage of our profits. Any profits we make are returned to you through better products, rates and fees. Take a look at our current interest rates below.
Home Loan Rates
| Interest Rate | Comparison Rate | |
| Rate Crusher | From 6.30% pa** | From 6.34% pa+ |
| Standard Variable | 7.30% pa | 7.35% pa+ |
| Supplementary | 10.55% pa | 14.04% pa* |
| Fixed Rate | Rate on application | Rate on application |
Car Loan Rates
| Interest Rate | Comparison Rate | |
| New Car Loans (vehicle up to 3yrs old) | 12.25% pa | 12.50% pa# |
| Used Car Loans (vehicle 4-9yrs old) | 13.25% pa | 13.71% pa~ |
| Used Car Loans (vehicle over 9yrs old) | 16.25% pa | 17.46% pa^ |
Personal Loan Rates (Variable)
| Interest Rate | Comparison Rate | |
| Secured | 16.60% pa | 17.81% pa^ |
| Home Owners Unsecured | 16.10% pa | 17.17% pa^ |
| Unsecured | 20.10% pa | 21.19% pa^ |
Additional Information
- Take a look at our savings and investment interest rates
- View our fees and charges
- Download our Comparison Rate Schedule
- What is a comparison rate?
Questions
If you have any questions 
Please note: Fees and Charges apply. Loans are subject to South West Credit's normal lending criteria.
Rates Effective 1 January 2012
** Conditions apply - please contact one of our Lending Consultants for full Terms and Conditions.
+ Comparison rates calculated on a loan amount of $150,000 over a term of 25 years. # Comparison rates calculated on a loan amount of $30,000 over a term of 5 years. ~ Comparison rates calculated on a loan amount of $20,000 over a term of 4 years. ^ Comparison rates calculated on a loan amount of $10,000 over a term of 3 years. * Comparison rates calculated on a loan amount of $10,000 over a term of 5 years.
WARNING: These comparison rates apply only to the examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. A comparison rate schedule is available.
