Home Loans. Personal Loans

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1 Home Loans Personal Loans

2 Contents A Personal Loan to suit you 2 Personal Loan 3 Loans for new and used cars 4 Overdrafts 5 Green Loans 5 How to apply 6 Other ways we can help 7 Important information 9

3 A Personal Loan to suit you No matter what you might need money for, a new car, holiday or even debt consolidation, Community First promises you a flexible attitude and fast approval on Personal Loans. We ll structure a personal loan to suit your specific needs. No ongoing fees, no early repayment penalties With a Community First Personal Loan there are no ongoing loan account fees, so all of your repayments go towards paying off your loan. Plus you have the flexibility of paying your loan off sooner knowing there s no penalty for early repayment. Choice of loan amount You could borrow from as little as $1,000 or up to a maximum of $60,000 depending on the type of loan you select and subject to approval. Flexible repayment options The choice is yours. Nominate weekly, monthly or fortnightly repayment options so you can pay your loan off even faster. Choice of term To help you comfortably meet your repayments, you can also choose a loan term from 1 to 5 years, depending on the type of loan you select. You can also choose a fixed or variable loan type to suit your financial situation. Redraw Every Community First Personal Loan comes with a redraw facility that gives you convenient access to funds you have paid over and above your mandatory loan repayments. 2.

4 Personal Loan Our variable personal loan options are flexible, and more convenient. They can even give you more control of your finances. If you don t like surprise s when it comes to your repayments, then why not protect yourself against possible rate rises by choosing a fixed rate personal loan. You can still enjoy the flexibility of redraw and a competitive rate. 3.

5 Loans for new and used cars If you re looking to purchase a car or refinance your existing loan, make sure you have the bargaining power of a pre-approved loan. Our car loans provide you with competitive interest rates and flexible features that have consistently performed better than other major financial institutions. We offer both fixed and variable options for new and used cars. If you are purchasing a car that is less than three years old or are refinancing a loan that is secured by a Motor Vehicle under 3 years of age, Community First can offer you a low interest rate on your personal loan. You will also enjoy a fixed rate for the term of the loan and the option to redraw from your personal loan (if applicable). Auto Search We can even help you find your dream car, negotiate the best price for you and help organise a trade in for your current car using our Auto Search facility and best of all, Auto Search is free. 4.

6 Overdrafts Don t get caught short again. An overdraft can cover you against any unexpected expense or simply help with your short term cash flows. Once your limit is approved, you can access the money any time, drawing on funds up to your approved limit whenever you choose. For even greater convenience, your overdraft can be accessed via your Redicard, VISA Debit Card or a cheque facility. We offer both secured and unsecured overdrafts, depending on your needs. Green Loans Go green and save with a low interest personal loan for environmentally friendly purchases. Here at Community First, we are always looking at new ways to be more environmentally friendly so this is just another way we re working with you and the environment towards a brighter future. The following products are covered by our Green Loans: Any vehicle with a 5 star environmental rating* Solar hot water systems Insulation Rainwater tanks Double glazing Photovoltaic (PV) panels and systems Grey water treatment systems Energy efficient white goods and appliances *To find out which cars qualify for the Green Loan, visit

7 Features and benefits: A low interest rate No monthly loan account keeping fees Additional repayments allowed Redraw on your personal loan How to apply There are several ways of applying for a personal loan or overdraft with Community First. It s simple to apply and can be done when it s convenient for you. Your loan can generally be approved in as little as 24 hours. Apply online at and submit your application within our secure website. Not keen on forms? Call Community First Direct on and apply by phone. Drop in at one of our Financial Services Stores (see back cover for locations). 6.

8 Other ways we can help Insurance cover for the things you love Now that you have got that new car or dream holiday, you need to make sure that you also have the right insurance cover. Community First can offer our Members home and contents, car and travel insurance. Multi-policy insurance discounts Under our multi-policy discount we can cover your home and possessions with home and contents insurance at a 5% discount on your first year s premium. We can also offer you a multi-policy discount on car cover of 10% off your first year s premium provided that you have an existing home and/or contents policy Insurance discounts for over 55 s If you are over 55 years old we can offer you a great deal on insurance with a 10% discount on your car, home and contents cover. This is on top of the multi-policy discounts you may already enjoy. Pay-by-the-month options Additionally, unlike some other insurers you won t pay extra if you want to pay your premium monthly. For your convenience, premiums can be deducted directly from your Community First account. 7.

9 24/7 claims assistance service You can contact our insurer CGU directly on to lodge a claim at any hour of the day, seven days a week. Online Quotes You don t have to visit a Financial Services Store to get a quote. Simply visit and get an online quote. If you like the quote you can arrange your coverage immediately online. Consumer Credit Insurance Consumer Credit Insurance is cover designed to help you meet your loan obligations should you become disabled or unemployed. The cover options available will vary dependent on the insurer, but generally Loan Repayment Insurance policies can cover: Disablement (Sickness & Accident) Trauma Involuntary Unemployment Life Community First can assist Members with Consumer Credit Insurance through our alliance with Swann Insurance. Ask us for an obligation free quote when lodging your loan application. 8.

10 Important information All loans are subject to lending guidelines, terms and conditions, fees and charges apply. Full details available on application. Community First Credit Union ABN , AFS Licence No acts under its own Australian Financial Services Licence and under an agreement with the insurer, CGU Insurance Limited ABN (CGU), AFS Licence No Home and Contents; Motor Vehicle; Landlords and Travel Insurance is issued by CGU. You can get a Product Disclosure Statement (PDS) for the product from Community First Credit Union or any office of CGU. You should consider the PDS in deciding whether to buy or hold the product. Community First Credit Union Limited, ABN acts as an agent of Swann Insurance (Aust.) Pty. Ltd. ABN , AFSL No Contact number We will receive a commission from Swann Insurance for arranging this policy. Details of the commission we receive can be found in our Financial Services Guide. Community First does not guarantee the payment of benefits under the policy or the repayment of any premium. A Product Disclosure Statement (PDS) for this product is available at our offices. We will give you a PDS on application, which you should read and consider in deciding whether to buy or hold the product. This is general advice only and does not take into account your individual objectives, financial situation or needs ( your personal circumstances ). Before using this advice to decide whether to purchase this insurance policy, you should consider the appropriateness of it having regard to your personal circumstances, plus obtain and consider the current Product Disclosure Statement for the particular insurance policy. If you are having financial problems If you run into difficulties with your mortgage repayments, it is important to contact us straight away so that we can help to resolve any financial problems you may be facing. The sooner we understand your situation, the sooner we can help. 9.

11 Home Loans All your banking needs can be found at Community First Home Loans Home Loans Home Loans Savings & Investments Insurance products Home Loans Savings & Investments Insurance Home Loans Personal Loans Home Loans Easy ways to bank Card Options Personal Loans Easy Ways to Bank Card Options

12 Community First Head Office Level 2, St. Hilliers Road Auburn NSW 2144 P.O. Box 98 Lidcombe NSW 1825 Contact Details T: W: E: ABN: AFSL: BSB: Financial Services Stores Bankstown Centro Bankstown Campbelltown Macarthur Square Charlestown Charlestown Square Shopping Centre Erina Erina Fair Glendale Stockland Glendale Lake Haven Lake Haven Shopping Centre Mt. Druitt Westfield Mt. Druitt Penrith Centro Nepean Rouse Hill Rouse Hill Town Centre Swansea Swansea Plaza Tuggerah Westfield Tuggerah Woy Woy Peninsula Plaza Liverpool Westfield Liverpool CFCU/NOVUM PLB/20/8/10