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Key Features

Home arrow Loans arrow Car Loans arrow Key Features

We have listed the key features of our Car Loans so you can compare them easily and ensure you choose the right loan for you.

Look through the list of key features below or see the benefits of an RTA Staff Credit Union Car Loan.

Key Features RedHot Car Loan New Car Loan No Equity New Car Bill of Sale Loan (older cars)
Variable interest rate View our interest rates and comparison rate schedules
Minimum amount $1,000 $1,000 $1,000 $1,000
Maximum amount No max No max No max No max
Loan period Up to 7 years Up to 7 years Up to 5 years Up to 5 years
Repayments Monthly / Fortnightly / Weekly Monthly / Fortnightly / Weekly Monthly / Fortnightly / Weekly Monthly / Fortnightly / Weekly
Interest charges Calculated daily, Charged monthly Calculated daily, Charged monthly Calculated daily, Charged monthly Calculated daily, Charged monthly
Application fee $100 $100 $100 $100
Variable and lump sum repayments Yes Yes Yes Yes
Early repayment without penalty Yes Yes Yes Yes
Redraw facility available Yes (free redraws) Yes (free redraws) Yes (free redraws) Yes (free redraws)
Loan repayment insurance available Yes Yes Yes Yes
Motor insurance required Yes Yes Yes Yes
Auto repayments (salary / account) Yes Yes Yes Yes
Loan interview required No No No No

* All Car Loans are secured by Bill of Sale over the motor vehicle being purchased.


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View our interest rates and comparison rate schedules
Any advice or information on this site does not take into account your personal objectives, financial situation or needs and you should consider whether it is appropriate for you. Please review our Conditions of Use and Financial Services Guide before acquiring the product.

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