In most cases, yes.
Unlike other financial institutions which can charge widely different rates to different customers based on their credit history or level of risk, our rates are fixed.
This means that in most cases, all members will pay the same rate of interest for borrowing the same amount of money. because of this, the interest rate you see on the loan calculator is very likely to be the amount you will end up paying.
In some cases, you may not end up being eligible for the loan product you applied for. For example, some of our loan products are only available to those in full-time employment, those who own their home, or those working for an employer who offers salary deduction.
If this happens, we may still be able to offer you a different loan product, with a different maximum amount, or a different rate. Whether or not you then choose to go ahead is up to you.
Whatever happens, before you accept a loan with us, we'll ask you to read and sign the Loan Agreement. This document will clearly outline the amount we can offer you, the rate, as well as the repayment terms. This gives you the opportunity to make a final decision about whether or not you are happy to go ahead and borrow with us.