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At Community First, we offer a range of loans at competitive rates. Our loans come packed with flexible features so chances are, you'll find one to suit your needs. It all comes down to how much you wish to borrow, how much you can afford to repay, and what the loan is for. We can offer you the following types of loans:
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| | | - If you're looking to borrow more than $100,000 to buy property, land, to renovate or to consolidate debts.
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| | - If you're looking to borrow between $5,000 and $50,000 for any worthwhile purpose
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| | - If you're looking to borrow between $5,000 and $60,000 for a new car or motorbike, used car, or a car with a 5 star environmental rating
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| | - If you're looking to borrow between $1,000 and $35,000 for 5 star rated environmental products such as rain water tanks and solar products
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| | - If you're looking for one of Australia's lowest rate Visa Credit Cards with available card limits between $1,000 and $15,000
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| | - If you'd like to have between $1,000 and $35,000 attached to your everyday account to cover additional or unexpected expenses
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Refinancing or consolidating debt?
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If you're looking to refinance an existing loan to Community First, visit our loan refinancing pages for more information.
If you're looking to borrow to consolidate your debts, visit our debt consolidation pages.
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Applying for a loan with Community First
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When you apply for a loan with Community First, we can generally give you a pre-approval in as little as 24-48 hours. Depending on what is most convenient for you, you can choose to apply online, over the phone, or by visiting one of our Financial Services Stores.
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Loan calculators
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Our Loan Calculators will help you work out a range of calculations such as how much you may be able to borrow, what your repayments will be, and how additional repayments can affect your loan term and interest paid.
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Secured loans versus unsecured loans
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Our loans are generally either secured or unsecured.
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Mortgage Secured Loans
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Mortgage Secured Loans are those where you offer a mortgage over real property, usually a house, unit or block of land, to cover the loan. The amount of a mortgage secured loan is usually larger and, because the loan is secured, the interest rate charged is lower.
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Unsecured loans
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Unsecured Loans are those where no mortgage is taken to secure the loan. The amount borrowed is usually lower and the time taken to repay the loan (the term of the loan) is shorter. Interest rates, whilst very competitive, are higher than for loans secured by mortgage.
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* Terms and conditions, fees and charges apply - details available on application. All loans subject to lending guidelines.
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