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Find out the monthly repayments and total cost of credit on loans that are available. Enter what you want to borrow and how long to repay.
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Understanding borrowing and credit
What type of borrower are you?
The way you borrow shapes your financial wellbeing. CCPC helps you understand habits and make smarter credit choices.
Learn moreApplying for a loan
Learn what to ask before applying, how lenders assess credit history, and the pros and cons of loan types to borrow confidently.
Learn moreYour credit history
Your credit history affects loan approval. CCPC explains what lenders check and how your record impacts borrowing and future decisions.
Learn moreMainstream credit options
Personal loans
Borrow a set amount over a fixed term. CCPC explains costs, repayment options and key considerations.
Learn moreCredit cards
Credit cards offer flexibility but can be costly if mismanaged. We explain fees and smart tips.
Learn moreOverdrafts
An overdraft lets you spend beyond your balance. Costs, risks and tips to manage.
Learn moreIt Makes Sense Scheme
Low-cost credit union loans for social welfare recipients – safe, affordable borrowing made easy.
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Other credit options
These options can seem convenient and are sometimes the only credit options available, but they often lead to unmanageable debt. Make sure you understand the full cost before signing up.
High-cost credit loans
Find out how high-cost credit works, what you’ll pay, your rights, and what to do if you’re struggling with moneylender repayments.
Learn morePawning
Find out how pawning works, including interest rates, fees, reclaiming your item, and what to do if you have trouble repaying.
Learn moreBuy Now, Pay Later
Learn how Buy Now Pay Later (BNPL) works, including payment options, fees, credit checks, and what to watch out for before you sign up.
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