Personal Loans

loans for locals

Cairns Penny may be able to help you to buy the things that you need by lending you money in the form of a personal loan.

Cairns Penny Home Loan customers get a discount on personal loan rates – please contact us for details.

Secured Loans

6.25% (12.07%) comparison rate

You can use a Cairns Penny secured loan for almost anything, including home improvements, the holiday of a lifetime or a car for your children!

  • Cairns Penny home loan customers qualify for a lower rate
  • Pay weekly, fortnightly or monthly
  • Access your extra repayments if you need to with our redraw facility
  • Borrow $3,000 to $25,000

Car Loans (and boats and motorbikes!)

9.45% (14.60%) comparison rate

Buy your next car, boat or motorbike with a Cairns Penny car loan.

  • Pay weekly, fortnightly or monthly
  • Access your extra repayments if you need to with our redraw facility
  • Borrow from $3,000 to $25,000

Unsecured Loans

11.40% (15.43%) comparison rate

Use a Cairns Penny unsecured loan for just about anything!

  • Pay weekly, fortnightly or monthly
  • Access your extra repayments if you need to with our redraw facility
  • Borrow from $3,000 to $15,000

Comparison rate calculated on a loan amount of $10,000 over a term of 3 years with monthly repayments.

 

Cairns Penny Home Owner Reserve

Cairns Penny home loan customers can arrange a low rate reserve to use with a Visa Debit card to use for everyday things that they may need. You can use it instead of your credit card for short term purchases and save some money.

  • Exclusively for Cairns Penny home loan customers
  • Visa Debit Card allowing you to shop at many outlets and online
  • 10% interest rate
  • Use it only when you need it and don’t pay anything until you do
  • Available up to $5,000