Important update: from 1 April 2026, the Illawarra Credit Union brand – a division of Community First Credit Union – will be formally retired. Visitors to the illawarracu.com.au will now be directed to this site. More information about this change is available here.

Refer now

Let us handle the application process so you can focus on your business.

Finance that won’t cost you the earth

Community First’s low rate green loan has helped thousands of Australian households save on energy. For current interest rates, please scroll down.  

Refer a customer

We’ll contact the customer within 24 hours. Before sending a referral, please confirm the applicant:

  • Is over 18
  • Earns regular income; have been in their current job at least 6 months if employed full/part time, 12 months if casual, or 2 years if self-employed
  • Are an Australian Citizen or resident
  • Has a credit history clear of defaults, bankruptcy and judgements

Please note that for privacy reasons, we are unable to inform you of the current status or outcome of your customer’s loan application. Please follow up your customer for information on loan progress.

Refer now

Personal loans

Green Loan

For loan terms 1 – 10 years


Variable interest rate

7.54%p.a. *

Comparison rate from:

8.58 %p.a. **

Process Overview

Understand what the process looks like so we can work together to manage customer expectations

eFlyer

Email potential customers with a marketing flyer for a Green Loan

What you need to know

Terms and Conditions: Credit eligibility criteria, terms & conditions, fees & charges apply. *Rate is current as at 20/03/26 and subject to change without notice.  **The comparison rate is based on an unsecured loan amount of $30,000 over a loan term of 5 years. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

You can view our Target Market Determinations here.

This information on this website is general advice only and does not take into account your objectives, financial situation or needs (your “personal circumstances”). Before deciding whether to buy any product on this website you should consider your personal circumstances. You should read and consider the Terms and Conditions when deciding to use any product (terms and conditions, fees and charges may apply). Our product Conditions of Use are available on this website.

Download our mobile app

Convenient 24/7 access to check your account balance and recent transactions, pay bills, transfer money and more.

Call us today on

1300 13 22 77

Community First Credit Union Limited ABN 80 087 649 938Operating as Community First Bank | AFSL and Australian credit licence 231204 BSB 512-170