Rating based on 49 reviews

People’s Choice

  • Credit union loans up to $40,000
  • Low-interest starting from 8.99%
  • Repayment up to 48 months

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People’s Choice homepage
Author People’s Choice. Screenshot of People’s Choice website.
[Accessed May 25, 2023]

About People’s Choice

With close to 350,000 members across the country, People’s Choice Credit Union is one of Australia’s largest and most trusted credit unions.

Make the change

Whether you’ve never considered a credit union before or are simply looking for a way to save on your home and car loan while keeping your credit card debt to a minimum than it’s time to make the switch from regular banking to credit union banking.

Lowest rates on the market

Credit unions like People’s Choice offer some of the lowest rates in the financial market on everything from home loans to fast personal loans.

They are able to do this simply because they are not owned by shareholders but by the very members who make use of their products and services.

People’s Choice Services

When credit unions state that they offer all the services and products that banks do – well they’re not always telling the truth.

Unfortunately, with a limited pool of members and small profit margins, it’s quite hard for credit unions to keep up with the technology and competitiveness of the financial market.

This, although very common, is not the case with People’s Choice who have a large base of members and truly do offer everything that the large banks do and so much more!

Home and car loans

People’s Choice Credit Union are known for offering some really trendy and member-focused financial products.

This includes everything from their home loans which start at rates as low as 3.79% per annum and their discounted vehicle loans which go from 5.64% for new cars.

People’s Choice – Credit union loan

  • Loan Type Credit union loans
  • Interest Rate from 8.99%
  • Loan Amount up to $40,000
  • Repayment 30 days to 48 months

Benefits of People’s Choice

  • Low-interest rates starting from 5.65%
  • Get a loan up to $50,000
  • Flexible repayment terms

Credit union loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This credit union loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Get a car loan with a full range of features

One of the things that you’ll notice immediately on People’s Choice Credit Union’s website is the amount and quality of information they offer members.

Whether you’re looking to buy a car or save money to make a dream overseas trip happen – they will have some form of expert advice available for you to consult on their site.

Apply to become a Member

With People’s Choice, you can apply to become a member in any one of their branches or online. If you decide to apply online you can do so in just minutes but, you must be a member of the credit union.

Make use of their Product Selector

People’s Choice Credit Union has made a very handy and easy to use product selector available on their website.

This tool allows members to find the most suitable products for their needs in just seconds – no unnecessary chatter and jargon – just plain facts.

Once you’re a member of People’s Choice Credit Union you can then complete their online loan applications whenever you need some form of credit. In addition, you can walk into one of their many branches across the country to make an application for a credit card, personal loan or savings product or speak to an advisor.

Keeping up with the times

While they may have nearly 70 years of history - People’s Choice Credit Union are certainly not outdated with some of the most innovative, updated and user-friendly products, services and technology on their side.

The choice of the people

While this credit union is definitely the people’s choice when it comes to banking, lending, saving and investing – they are also Roy Morgan’s 2016 Credit Union of the Year and that’s a big deal.

Savings and transactional accounts

If you’re looking to save there is no better place to do it than with your local credit union who will 9 out of 10 times offer you a better rate than any bank.

People’s Choice Credit Union, for instance, offers a Bonus Saver Account which offers an interest of 2.55% per annum and extra incentives like bonus rates if you save on a regular basis.

man holding thumbs up

People’s Choice is a trusted & reliable provider of credit union loans

In our review, People’s Choice adheres to the compliance criteria in accordance with the National Consumer Protection Act, where the granting the loan will not cause financial distress to the consumer.

✅ People’s Choice is a registered credit provider in Australia: ACL 244310

Customer Reviews & Testimonials

October 2018

In the past, my credit record experienced a few scrapes and bruises and many lenders did not have the faith in me that I needed but People’s Choice did not turn me away. Thank you for considering...

Robert F
— Adelaide —

January 2019

In the current economic climate, I found myself accepting more and more credit card proposals until eventually, I realised that I was struggling to repay all of them. For this reason, I approache...

Josha N
— Loxton —

People’s Choice Contact

Contact Number


  • not available


Physical Address

Postal Address

  • GPO Box 1942, Adelaide, SA , 5000, Australia

Opening Hours

  • Monday 08:00 – 20:00
  • Tuesday 08:00 – 20:00
  • Wednesday 08:00 – 20:00
  • Thursday 08:00 – 20:00
  • Friday 08:00 – 20:00
  • Saturday 08:30 – 16:30
  • Sunday – Closed