Emoney Unsecured Personal Loan

Southern Cross Credit Union's Emoney Unsecured Personal Loan is a personal loan. The figures are the ones Southern Cross Credit Union publishes under the Consumer Data Right today. The advertised rate last moved on 31 May 2026, up from 9.39% to 9.64%.

Advertised rate

9.64%

headline tier

Comparison rate

10.56%

as published

Last moved

+0.25pp

31 May 2026

Advertised rate, last 30 days. Unchanged over the last 30 days.

Every current rate (5)

Tier	Rate	Comparison
Fixed 3 years, P&I	9.64% to 13.64%	10.56%
Fixed 4 years, P&I	9.64% to 13.64%	10.56%
Fixed 5 years, P&I	9.64% to 13.64%	10.56%
Fixed 6 years, P&I	9.64% to 13.64%	10.56%
Fixed 7 years, P&I	9.64% to 13.64%	10.56%

Rate moves, last 30 days

No rate moved on this product in the last 30 days.

Published fees

Fee	Amount
Direct debit dishonourwhen it happens: Charged if your direct debit payment is dishonoured due to insufficient funds	$15
Personal loan establishment feeupfront: A one off upfront fee for setting up your loan.	$250
Redraw in branchper transaction: Charged if you access advance payment on your loan in-branch.	$25
Mthly personal loan feerecurring: Flat Monthly Fee of $8 for personal or vehicle loans.	$8
Loan variationwhen it happens: When there is a variation made to the terms of an existing loan agreement.	$150

Other Southern Cross Credit Union personal loans

Motor Scout New Vehicle Loan 6.49%Emoney New Vehicle Loan 8.24%Emoney Secured Personal Loan 8.24%Lj Hooker New Vehicle Loan 8.24%Lj Hooker Secured Personal Loan 8.24%Motor Scout Used Vehicle Loan 8.24%New Vehicle Loan 8.24%Secured Personal Loan 8.24%Lj Hooker Unsecured Personal Loan 9.64%Unsecured Personal Loan 9.64%

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Every Southern Cross Credit Union rate · every personal loan rate compared · other lenders · this product in the explorer.