Personal Loans and Overdrafts

Whether your needs are for a new car, boat, caravan, holiday, renovations or debt consolidation, we can help you get a head start with our simple lending solutions.

Some great benefits of personal lending with Pulse Credit Union:

  • Personalised service
  • No ongoing fees
  • No extra repayment fee
  • Flexible repayment options
  • Free internet & telephone banking
  • Optional cover to protect you in the event of sickness accident, or unemployment


Enjoy the convenience and security of an overdraft limit attached to your Access account.

Handy loan tips & tools
Home Equity vs. Personal Loan

Extending your mortgage through the use of a home equity loan has become a popular way to obtain finance for a variety of purposes.

As a general rule of thumb, the term of a loan should not exceed the life of the asset being purchased.

We can tailor a Home Equity Loan, independent of your home loan, and at the same low rate of interest as your home loan. This way, your finance will be repaid over a more reasonable term rather than up to 30 years by consolidating with a home loan.

We want you to be well informed about the product you choose - that it meets your needs and expectations now and in the future. Call our Lending Office staff to discuss your options.

You’ll be amazed how competitive the interest rates are at Pulse Credit Union.

Click here to review the current interest rates.

You know that you should have insurance for your home, car and other assets – but what about your loan?

Click here to find out more.