Why choose Northern Inland


  • Moderately low interest rates
  • Redraw facility available
  • Fixed interest rates available


  • Above-average establishment fee
  • Limited branches
  • Loan terms unavailable past five years

Northern Inland Personal Loans

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Northern Inland Credit Union offers a limited range of personal lending options for its customers. Variable and fixed rates are available for Northern Inland’s secured loans. Unsecured loans are also available with variable interest rates.

Northern Inland CU personal loan rates are moderately low when compared to other lenders in the market.

A maximum loan amount of $100,000 is available with loan terms of up to five years.

There is an upfront fee from Northern Inland, and it is higher than what borrowers would pay at a major bank. Low ongoing monthly fees also apply to Northern Inland Credit Union personal loans.

Redraw facilities are available, although a minimum redraw amount is required for activation.

Northern Inland Credit Union personal loans - customer service

There are only four Northern Inland Credit Union branches for customers to visit, all within New South Wales.

The rest of Australia will have to use Northern Inland CU as an online bank or contact them by phone for assistance.

Who is eligible for a Northern Inland Credit Union personal loan?

Personal loan applicants must meet the following eligibility criteria:

  • Be over 18
  • Be a member of Northern Inland CU
  • Be employed
  • Pass a credit check

How to apply for a Northern Inland Credit Union personal loan?

Potential borrowers can apply for a Northern Inland personal loan in the following ways:

  • By filling out an online application form
  • By phone
  • In person (NSW only)

Northern Inland Credit Union personal loans review

Northern Inland CU loans may be appropriate for borrowers who need assistance with purchasing a car or other personal items.

Variable and fixed interest rates are available in addition to secured and unsecured loans. This offers members flexibility in choosing the right personal loan for their circumstances.

Personal loan interest rates are moderately low when compared to other financial institutions. This could be beneficial for members looking to save money throughout the duration of their loan.

However, potential borrowers should be mindful of the higher-than-average upfront fees when taking out a Northern Inland Credit Union loan.

Customers can also expect a low ongoing monthly fee with their Northern Inland CU personal loan.

A redraw facility is available for customers who wish to borrow back money already paid off the loan.

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^Words such as "top", "best", "cheapest" or "lowest" are not a recommendation or rating of products. This page compares a range of products from selected providers and not all products or providers are included in the comparison. There is no such thing as a 'one- size-fits-all' financial product. The best loan, credit card, superannuation account or bank account for you might not be the best choice for someone else. Before selecting any financial product you should read the fine print carefully, including the product disclosure statement, target market determination fact sheet or terms and conditions document and obtain professional financial advice on whether a product is right for you and your finances.