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Under 25s Car Loan

The Under 25s Car Loan from Community CPS is super competitive with a variable interest rate of 9.50%, ie. the annual percentage rate which converts to a comparison rate of just 10.30%pa1. And to top it off we're offering you the choice to attend either a Defensive Driving Course with Bates Advanced Driving or the Road Ready Plus 'P...Off' Course, which is run by the ACT Government. Click here for more information.

Click here to see the Under 25s Car Loan Commercial

1Comparison Rate calculated on a loan of $10,000 over 3 years, based on monthly repayments.

Drive On Car Loan

The Drive On Car Loan from Community CPS presents an extremely competitive fixed interest rate of just 7.99% (8.15% comparison rate1) and includes a special offer whereby you can save 10c per litre on your petrol purchases for the first year of your loan. Click here for more information.

1Comparison Rate calculated on a loan of $30,000 over 5 years, based on monthly repayments.


Under 25s and Drive On Car Loans Interest Rate Schedule

Car Loans & Personal Loans

Please confirm all rates with CPS Credit Union staff

Current Interest Rates | Comparison Rate Schedules

Car Loans

Switch Rate Car Loan (L62)
Low introductory rate capped for 6 months then reverts to standard variable rate. CPS application fee waived. Available only to those bringing a loan to CPS from another financial institution.

Capped Rate Car Loan (L52)
Low introductory rate capped for 12 months then reverts to standard variable rate. For the purchase of new motor vehicles (and vehicles up to three years old) from a licensed Motor Dealer (LMD) or Government Motor Auctions of amounts up to $40,000.

Fixed Interest Rate Car Loan (L55)
Fixed interest rate for up to five years. For the purchase of new motor vehicles from a licensed Motor Dealer (LMD) or vehicles up to 12 months old from Government Motor Auctions.

Used Car Loan (L42)
Available for the purchase of used cars no more than five years old from a licensed Motor Dealer (LMD) or Government Motor Auctions Amounts up to $40 000


Enviro Loans

Enviro Loans from Community CPS make it easier for you to purchase environmentally friendly products. The loans offer flexible options to suit your needs and include a reduced interest rate for personal loans or fee waivers for home loans. Click here for more information.

Click here to see the Enviro Loan TV commercial


Personal Loans

Unsecured Personal Loan (L41)
Fund a one-off expense, without needing to provide your existing vehicle as security. Available for terms of up to five years.

Secured Personal Loan (L43)
A Secured Personal Loan is available for terms of up to 7 years. Purchases may include Motorbikes or vehicles up to 10 years old from a licensed Motor Dealer (LMD) or Government Auction or private sale. Amounts up to $40,000.

Personal Computer Loan (L50)
Amounts up to $10,000 to purchase personal computer hardware and software, over a three year maximum term. A fixed interest rate applies.

Redicash Lines of Credit
Ask about our continuing Line of Credit facility for amounts of up to $40 000. Feel secure knowing you have extra cash at the ready for travelling, shopping or when unexpected bills arrive. These may be attached to a Community CPS savings account, Visa card or used as a stand-alone credit facility.

Current Interest Rates | Comparison Rate Schedules | Guide to Comparison Rates


Loan Assessment

CPS Lending and assessment criteria apply. All loan applications are subject to approval. Terms and conditions apply to all loans and are available on request. Fees and charges may apply and are detailed in the Fees and Charges brochure, which is available on request. All loan interest rates are Annual Percentage Rates (pa) and current rates are listed in the Interest Rates flyer.

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