First Time Borrower
First time borrowing? No problem
First time borrows can apply for a loan for whatever you are planning in the future. You can turn your plans into reality with a first loan.
Loan Application Process
Easy & Quick application process
Become a Member
Once you are living or working within our common bond you are eligible to join us today and start borrowing.
Calculate your Loan
Estimate how much you could borrow and calculate your repayments: weekly, fortnightly or monthly using our online calculator.
Apply for Loan Online
Apply for your loan from the comfort of your home. Applying for a loan is easy and quick. Apply now!
Sit back and relax!
The decisions are made quickly on loan applications and, if is approved, the funds are issued within 48 hours.
Loan Calculator / Loan Enquiry
Find a loan with a rate that suits you and apply today or submit an enquiry below!
Maximum Loan Term :
This calculator is for illustrative purposes only, to give you, the borrower, an overview of the potential cost of borrowing. The Credit Union, or any of its staff, cannot be held responsible for any errors. Please note that this calculator only provides an indicative quote and actual repayments may vary.
The benefits of borrowing from Access Credit Union
Easy application process online, by phone or in branch
Flexible loan repayment terms are available to suit your needs
There are no penalties for repaying your loan back early
Extremely competitive interest rates
No hidden fees or charges,
fast & local decisions
Peace of mind with loan protection insurance
For your convenience, below is an illustrative example of the costs associated with a loan of a specific amount.
Interest rate - APR
Total cost of credit
Ready to apply?
Documents required when applying for a loan
3 Recent Payslips
Set of Accounts