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The following Central West Credit Union Loan Application Form can be submitted to us electronically once all relevant details have been filled in.

Before completing your application online, please ensure that each person applying for the loan reviews our Privacy Notice.

If you are an existing member, you can also download our application forms and return either by post to one of our branches, or by email (with supporting documents) to loans@cwcu.com.au.

Ready to apply for a loan?

By proceeding to the application, you are agreeing that each person applying for the loan consents to the information presented on this page.

Required Information

To assist with fast processing of your loan application, the following information needs to be supplied, when you submit you completed loan application.
 

1. Confirmation of Income

Salaried Employees
  • Three payslips not more than three months old OR
  • A letter from your employer, stating your gross and net income, plus the commencing date, if you started after the last financial year
Self Employed Applicants
  • The last two years financial figures including balance sheet, trading results, profit and loss and personal tax returns plus ATO Notice of Assessment
Centrelink Recipients
  • A copy of your Bank statement for the past three months OR
  • A letter from Centrelink detailing current benefits
Owners of rental propoerties
  • Copy of lease or the latest statement from you Real Estate Agent OR
  • A letter from a Real Estate Agent, stating what the property could be rented for if the property is not already leased.

2. Confirmation of Liabilities

Loans
  • Copy of current statement showing balance and instalment
Credit/Charge Cards
  • Copy of latest statement
Tenants of rental properties
  • Copy of Lease Agreement or current rent receipt
Please ensure that the loan application is carefully completed, including the section on Loan Protection Insurances. If you require information and /or a premium estimate on the insurance, please feel free to call your nearest Central West Credit Union office. You should obtain a Product Disclosure Statement and consider it before acquiring this product. If your application is lodged with insufficient information you may experience delays in obtaining a decision.
 

Privacy Notice

Outline 

This Privacy Notification sets out:
  • why we collect and use your information
  • how we collect and use your information
  • what happens if you do not wish to provide us with information
  • whether we provide your information to other entities
  • the availability of our Privacy Policy
  • when we can disclose certain information to a credit reporting body
  • how a credit reporting body may use your information
  • whether we disclose your information overseas and if so, where
  • how you can contact us.
 

Collection & use of your information

We collect and use your information to:
  • provide you with membership benefits, financial services and products or information about those benefits, services and products
  • provide you with information about financial services and products from 3rd parties we have arrangements with
  • conduct market and demographic research in relation to the products and services you and other members acquire from us
  • establish your eligibility for a loan
  • establish your capacity to repay a loan.
The law also requires us to collect and hold your information:
  • for our register of members under the Corporations Act
  • to verify your identity under the AML/CTF Act
  • to assess your capacity to pay a loan under the National Consumer Credit Protection Act.
 

How we collect your information 

We will collect information about you and your financial position from you directly 
When you apply for a loan, we will collect information about your credit history from a credit reporting body.


How you can access your information

You can request access to your information at any time.
 

What if you do not wish to provide us with information? 

If you do not give us the information we require, we may not be able to admit you to membership or provide you with the financial service or product you have applied for. 
 

Providing your information to credit reporting bodies

The credit reporting body we disclose information to is Veda. 
If you do not make your repayments when they fall due or commit a serious credit infringement, we may disclose this to Veda. Any information we provide to Veda will be included in reports provided to credit providers to help them to assess your creditworthiness. 
You can ask Veda not to use your information for pre-screening of direct marketing by a credit provider. You can also ask them not to use or disclose your information if you reasonably believe that you have been or are likely to be a victim of fraud. 
Veda’s policy on the management of information is available at www.mycreditfile.com. You can contact Veda by phone on 1300 850 211.
 

Providing your information to other entities

We disclose your information to other entities. We only disclose your information as needed and as required by law. We can disclose your information to:
  • entities that verify identity
  • lawyers, conveyancers, accountants, brokers and agents who represent you
  • contractors for statement printing and mail out, card and cheque production, market research or direct marketing
  • affiliated product and service suppliers to provide information to you about their services and products
  • credit reporting bodies and other financial institutions that have previously lent to you
  • persons you use as referees
  • for property loans – property valuers and insurers
  • mortgage documentation service
  • trustee and manager of securitised loan programs
  • any proposed guarantor of a loan
  • debt collection agencies, lawyers, process servers
  • our auditors.
We will also disclose your information to law enforcement and government agencies as required by law.


Our Privacy Policy

Our Privacy Policy is available at www.cwcu.com.au. 
The Policy contains information about:
  • how you can access your information
  • how you can seek correction of your information
  • how you make a complaint and how we will deal with it
  • in what overseas countries we are likely to disclose your information.
  • Disclosure to overseas recipients


Disclosure to overseas recipients 

We do not currently disclose your information to overseas recipients.
 

How to contact us 

You can contact us:

Ready to apply for a loan?

By proceeding to the application, you are agreeing that each person applying for the loan consents to the information presented on this page.