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Personal & Car Loans

A Northern Inland Smart Personal Loan is a smart and convenient way to get the things you want or to pay for the things you need. With fast approval, flexible repayment options, redraw facilities and no hidden fees, you can use a Northern Inland Personal Loan for your next car, boat, dream holiday - almost anything!

NICU Personal Loan Unsecured   NICU Personal Loan Secured   NICU Flexible Smart Loan

Our Unsecured Smart Personal Loan helps you to achieve your goals faster and easier. Fixed or variable interest rate options mean you’ll achieve your dreams sooner.


A car loan or personal loan for any purpose which is secured by a vehicle between 6-10 years old. Choose between a fixed or variable interest rate option to suit your needs.


Awarded by Canstar for outstanding value, this personal loan is secured by a vehicle 0-5 years old, or by Term Deposit. Fixed or variable interest rate options means added flexibility and an even lower interest rate.

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If you have any questions, please contact us Enquire



Choosing Northern Inland Credit Union for car or personal loans means you’re working with a smart, locally-focused financial institution. We pride ourselves on our deep connections to the communities we service, helping businesses and individuals across the region get the financial support and advice they need to achieve their goals. Our loans help people improve their lives in real, measurable ways – from making it possible for a young adult get their first car for work to helping a pair of newlyweds furnish their dream family home, we help people realise their dreams.

With a range of loan products to suit all needs and financial circumstances, we help more people connect with the capital they need to achieve their goals. From home loans to help you enter the market to personal loans to make that dream holiday a reality, NICU gives you the support you need.

The right choice for you

Start a conversation with the loan consultants at one of our branches, and find out why people from Muswellbrook to Moree to Inverell choose Northern Inland Credit Union as their loan provider. Drop into one of our locations and start a conversation today:

·         Tamworth

·         West Tamworth

·         Gunnedah

·         Narrabri

You can also reach us over the phone on 1300 65 65 81, or feel free to send us your questions via our general enquiry form and one of our team members will be in touch as soon as possible.

Find your nearest branch
Call us on 1300 65 65 81
Email us