Lending

• Personal Loans
• Car Loans
• Get informed about a Housing Loan

LOANS - All You Need To Know About Borrowing From The Co-op

The Fitzroy & Carlton Community Credit Co-operative can provide you with a loan to meet a variety of needs. We offer:

• personal loans (secured & unsecured)
• housing loans.

WHY BORROW FROM FCCCC?

• Personal and friendly service from our Loans Officer
• Competitive interest rates
• Low fees
• Loans available to members on low incomes
• Repayments to suit your budget
• Establish a good credit history
• Access all our other credit union services
• Support your local community
• Be a member of an ethical banking cooperative.

ETHICAL COOPERATIVE BANKING

• The Fitzroy & Carlton Community Credit Co-operative provides affordable financial services to people within, though not restricted to, Melbourne, Victoria.
• The cooperative was founded in 1977 to support our local community through ethical banking.

The CO-OP Provides:

• ATM/EFTPOS
• Travellex Card (visa debit card)
• Budget service
• Savings accounts
• No over-the-counter fees
• Christmas Club Loans
• Phone banking

CHECKLIST FOR APPLYING FOR A LOAN

To become eligible to apply for a loan, check that you have:

• Become a member of the co-op
• Been an active member of the co-op for three months
• Read through the Information Statement in the application
• Before sending in or dropping off your loan application

Check that you have completed these steps:

• Attached a statement from Centrelink showing your entitlement to benefits (if applicable)
• Attached 2 current payslips from your employer (if working)
• Completed and signed the Privacy Form
• Completed and signed the Declaration of Death Cover form
• Filled in every section of the application form
• Had the application form signed in front of and witnessed by, one of the following:
  • Justice of the Peace
  • Commissioner for taking affidavits under Evidence (Amendment) Act 1984
  • Solicitor
  • Person entitled to administer Declarations in Victoria.