BSB 802-396

Perfect for

Secure borrower

That new toy

Your first new car

Loan Features

Enjoy the perks of the Online Personal Loan Package, like:

Direct repayments from Offset account

Redraw facility

Penalty-free repayment options

Online Secured Personal Loan2

  • It’s a low rate personal loan to achieve your #lifegoals sooner.

Offset transaction account3

  • Will reduce the amount of interest you pay on your loan, so you’ll pay it off sooner.

Visa Debit Card

  • Makes paying for the everyday easier, just take a look at our Pays solutions and PayWave.

Online banking and eStatements

  • Allows you to bank anywhere, anytime with internet banking and our mobile banking app, moneytree. Plus, you also have online statements.
  • Our Secured Variable Personal Loan is available to any personal borrowers buying a motor vehicle, bike, boat, caravan, or pleasure craft that can be used as security against the loan, that’s no more than two years old (as at the date of application), and who meet the Credit Union’s standard lending criteria.
  • For loans $10k to $100k.
  • A range of loan repayment insurance covers are available.


  • Direct transfer from the personal loan offset account


  • Branch redraw (cash, cheque)
  • Online Redraw (electronic transfer)

Fees applicable to this product include:
• Loan application fee: $200

This product has:
• $5 monthly personal loan fee, charged to the personal loan offset account.
• No monthly account keeping fee on your Offset account.
• Free redraw facility.
• Early loan repayment without penalty.

Refer to our Credit Fees and Charges brochure for more information.

Interest rate Comparison rate
5.25% p.a. 5.89% p.a

Interest is calculated daily on the outstanding balance and charged monthly in arrears on the last day of each month.

Refer to our rates and fees for current interest rates.

Have you thought about insurance? Don’t worry, we’ve got you covered!

Take out QBE insurance with us and you’ll get a 5% rebate on your first annual insurance premium!

We’re offering package holders a special offer on QBE insurance for your new purchase. That’s right; if you take out the Online Personal Loan Package, you’re eligible to receive a 5% rebate on your first annual QBE insurance premium when taken out through us4.

If you’re looking for insurance for your new car, bike, caravan, or pleasure craft, look no further.

Important notes

Terms and Conditions apply. See the Online Personal Loan Package Conditions of Use.
1.Rates current as at 08/05/2018 and are subject to change.
*Comparison rate is calculated on a secured loan amount of $30,000 over a term of 5 years.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. Eligibility criteria, terms & conditions, fees & charges apply. Please refer to the Credit Fees and Charges brochure.
2 Credit eligibility criteria, terms and conditions, fees and charges apply.
Catalyst Money is the issuer of the offset account. Please refer to the Account and Access Facility Conditions of Use and Fees, Charges and Transaction Limits brochure.
4 Catalyst Money, a division of Community Alliance Credit Union Limited as a holder of Australian Financial Services Licence 245576, can issue, vary, renew and cancel insurance policies under a ‘binder’ provided by the Insurer. A ‘binder’ is an agreement that allows Community Alliance Credit Union, as agent of the Insurer, to enter into contracts of insurance on behalf of the Insurer. This means that the insurance policy issued to you by Catalyst Money, is binding on the Insurer just as if it had issued the policy itself. Insurance policies are issued by QBE Insurance (Australia) Ltd ABN 78 003 191 035 AFSL 239545. Before making a decision about your insurance needs please refer to the Motor Vehicle Product Disclosure Statement, Caravan Product Disclosure Statement, or Pleasure Craft Product Disclosure Statement insurance available from Catalyst Money. Catalyst Money will not be held responsible for the information contained within a site accessed via this site. Should you enter another site through such links, the content will not have been produced, checked for accuracy, or reviewed by the Credit Union. Any endorsements or any opinions offered are not necessarily those of Catalyst Money.

This information is of a general nature only and does not take into consideration your individual objectives, financial situation or needs. Consider whether the information is suitable for your objectives, financial situation and needs before making any decision about whether to acquire the product.

BPAY® is a registered trademark by BPAY Pty Ltd ABN 69 079 137 518.
Osko® is a registered trademark by BPAY Pty Ltd ABN 69 079 137 518.