Rating based on 27 reviews


  • Credit union loans up to $50,000
  • Low-interest starting from 5.69%
  • Repayment up to 60 months

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Gateway homepage
Author Gateway. Screenshot of Gateway website.
[Accessed June 10, 2018]

About Gateway

In 2016, Gateway won Mozo’s Australian Credit Union of the Year Award and with 60 years of history and over 30,000 members they’re one of Australia’s strongest and fastest growing credit unions.

What you can expect

With Gateway Credit Union you can do your everyday banking, get a home or car loan or open up a savings account just like you would with an ordinary bank but – with lower fees and better service!

Other awards

Apart from winning Mozo’s Credit Union of the Year Award, Gateway have also won numerous award for everything from their home loans to their deposit accounts.

Here are a few mentionable awards:

  • Mozo Experts Choice Award 2016 for their Premium Package
  • Money Magazine’s Best of the Best for their Low Rate Home Loan
  • Canstar Outstanding Value Award for their Edge Account – both as a deposit and transaction account
  • Mozo Expert Choice Award in 2016 for their Edge Account – best fee-free and best value travel debit card

One of the primary reasons to choose Gateway is the low-interest rates on all their personal loans and their practically non-existent fees but, their customer service is also a reason you may want to switch.

Gateway Services

Gateway is a very competitive and innovative credit union offering all the features and products that any of the mainstream banks would but, with few (if any) fees and lower interest rates.

Their most popular products

Some of their most popular products include their Edge Account which offer an overdraft facility and no monthly account fees to have to worry about and their new and used car loans which offer superb value and low rates.

Home loans

When it comes to owner-occupied home loans few financial institutions can offer you the low rates and extraordinary value that Gateway Credit Union does.

Their Premium Package Home Loan which offers an interest rate of just 3.73% per annum is one of the best in the country. This home loan can offer you up to 95% of the property value and offers both a fixed and variable rate option.

Looking for vehicle finance?

Apart from their fantastic home loan offers, Gateway Credit Union has some of the most competitive car loans in Australia with rates as low as 5.69% per annum – a loan which can be used to buy either a new or used car.

Gateway – Credit union loan

  • Loan Type Credit union loans
  • Interest Rate from 5.69%
  • Loan Amount up to $50,000
  • Repayment 30 days to 60 months

Benefits of Gateway

  • Home Buying
  • Borrow
  • Insure
  • Save
  • BankInvest
  • Spend
  • Plan
  • Travel
  • Award-Winning
  • Education Fund

Credit union loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This loan calculator is for illustration purposes only.
The use of this quick loans calculator is subject to our terms of use.

Do more for less and achieve your financial and life goals faster

With Gateway Credit Union you can let go of feeling like you don’t matter and start getting the personalized attention that you deserve while also cracking down on unfair rates and ridiculous fees on everything from your everyday banking account to your 30 year home loan.

The difference

With the popularization of credit unions in the last couple of years, it’s no secret that choosing to bank with a credit union will save you thousands in the long run.

How to become a member

In order to complete their online loan application or be eligible for any of their financial products and services, you must first apply to become a member.

This can be done online by opening an account. After providing some basic details you will then be asked to select an account type and this can be anything from the award-winning Edge Account to the 100% Offset Account and – you’re set!

Afterwards, you will need to cancel your existing bank account and inform your payroll officer of the change to your bank details. You will then need to sign a form to set up any existing debit orders onto your new account.

In addition, credit unions like Gateway treat their customers better and use any profits to better the lives of members rather than to enrich the accounts of shareholders.

If you want to be treated fairly, get lower rates on everything from personal loans to everyday transactional accounts – choose a credit union like a gateway.

Customer Reviews & Testimonials

August 2018

As a lender with various awards, they prove to be a highly acclaimed financial institution. Shining in areas ranging from customer service to quality products and an excellent application process...

Todd D
— Port Fairy —

April 2019

Gateway was able to get me the wheels that I needed to get going. Previously I was not able to get the finance that I deserve but, thanks to them, I am not on my way in comfort and style.

Joshua K
— Seymour —

April 2019

For a convenient lending process look no further than Gateway. Gateway offers a streamlined lending process that ensures all those who apply are going to get the answer they need with the greates...

Keith S
— Werribee —

Gateway Contact

Physical Address

Opening Hours

  • Monday 08:30 – 16:30
  • Tuesday 08:30 – 16:30
  • Wednesday 08:30 – 16:30
  • Thursday 08:30 – 16:30
  • Friday 08:30 – 16:30
  • Saturday Closed –
  • Sunday Closed –