Why choose The Capricornian


  • No ongoing fees
  • No early payment penalty fee
  • No redraw fees


  • High interest rates may apply
  • Maximum loan terms of five years
  • Establishment fee charged

The Capricornian Personal Loans

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Total repayments

Australian Credit Licence 246780Fees & charges apply



up to 8.02%



Fully Secured Personal Loan - Fully Secured Personal Loan
  • 0 to 7 years
  • Secured
  • Variable Rate
  • No ongoing fees

Australian Credit Licence 246780Fees & charges apply

Australian Credit Licence 246780Fees & charges apply



up to 13.29%



Unsecured Personal Loan - Unsecured Personal Loan
  • 0 to 5 years
  • Unsecured
  • Variable Rate
  • No ongoing fees

Australian Credit Licence 246780Fees & charges apply

Personal Loans calculator

Use our personal loan calculator to see how much you’d have to repay under different borrowing scenarios.


Your estimated repayments


based on a $30,000 loan for 5 years at 7.59%

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Features of a The Capricornian personal loan

Members of The Capricornian have access to a variety of personal loan options. Secured and unsecured loans are available with variable interest rates.

There is an establishment fee payable for The Capricornian personal loans. However, the fee amount is on par with what members would find at the major banks.

The Capricornian personal loans have no ongoing fees. There is also no penalty fee for early repayments, and redraw facilities are available for members with a The Capricornian personal loan.

The Capricornian personal loan interest rates range from moderately high to high depending on the loan type. Use RateCity to compare personal loan rates from The Capricornian and other Australian personal lenders.

The Capricornian personal loans - customer service

With only six branches to visit, The Capricornian members will need to live in Central Queensland to receive face-to-face customer service.

Members can also handle their banking needs online or over the phone.

Who is eligible for a The Capricornian personal loan?

The following criteria must be met to be eligible for a personal loan from The Capricornian:

  • Over 18
  • Member of The Capricornian
  • Permanent Australian resident
  • Provision of income verification, evidence of debts and history of savings

How to apply for a The Capricornian personal loan

Members of The Capricornian can apply for a personal loan via the following methods:

  • In person at a branch
  • Online
  • By phone

The Capricornian personal loans review

The Capricornian has a range of personal lending products for its members to choose from. This includes secured and unsecured loans with variable interest rates.

These loans could be used for expenses such as holidays, weddings or cars, or for debt consolidation.

Borrowers looking for cost-savings might not be satisfied with personal loan interest rates from The Capricornian. Depending on the loan type, rates range from moderately high to high. Those shopping around for a personal loan can use RateCity to find the best personal loan rates for their circumstances.

Borrowers can expect to pay an establishment fee when starting their personal loan with The Capricornian. However, this fee is about the same as what is charged by the major banks.

Redraw facilities with no fees are available for borrowers who would like to take out money already paid back on their personal 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.