Fast Approvals Loans from 9.95% Secured & Unsecured Loans
If you’re chasing a new car, hankering for a holiday or looking to consolidate your debts we
reckon you’ve come to the right place. There’s lots of reasons Aucklanders choose a
Personal Loan from NZCU – find out why here…
Applying for a loan online has never been easier. Quick, confidential and easy.
Let our NZCU loan experts help you design a loan to suit your lifestyle and needs.
Know where you stand with a competitive rate fixed for the life of the loan.
Choose from weekly, fortnightly or monthly and make extra payments without penalty.
We’re not on your back, we’re on your side. As a co-operative finance organisation we can offer some of the most competitive personal loan rates in New Zealand. So depending on your security and personal profile we may offer you a personal loan from 9.95% p.a. interest – try getting that sort of rate from a loan broker!
A personal loan is different from a mortgage and is generally used to finance the purchase of things you want such as cars, boats or holidays or to consolidate a number of debts into one loan. A personal loan is for a fixed period of time (say 3 – 5 years) at a fixed interest rate which means you have certainty in the future as to how much you have to pay each week.
Check out our loan agreement terms & conditions and fee schedules here:
Standard form contract terms-specific
Standard form contract terms-general
Costs of borrowing
Don't put it on the mortgage when
a short-term Action Loan will save
you heaps.
Wrap the credit card and hire
purchase debts in to one
affordable Action Loan.
With an Action Loan, now you can
afford that well-earned holiday or
special family event.
When consolidating several loans, we were relieved when NZCU were able to help us AND offer a really low interest rate.
NZCU have given us expert, efficient and quick service when applying for any loan and we'll continue to bank with them.
I don't feel like I am a number - I'm treated as a member and my opinion matters
Excellent service, prompt response to enquiries and provide the best lowest loan interest!
Important Info about a NZCU Personal Loan:
NZCU Auckland provides personal loans with interest rates ranging from 9.95% to 19.00% per annum. Loans are available from $1,000. Loans are to be repaid by instalments of principal and interest over terms with a minimum of 3 months and a maximum of 5 years. Other terms can be made by arrangement.
Here’s an example for a $10,000 loan taken out for a term of 3 years at an interest rate of 9.95% per annum. Weekly repayments of $75.94 would be required to repay the loan. This includes a Loan Fee of $200.00 and cost of Credit and other checks of $37.00 which are included in the repayment amount. Interest paid over this period would be $1,608.84 – making the total payable $11,845.84. Our maximum Finance Rate (APR) inclusive of fees is 11.595% per annum. Full repayment of the loan can be made at any time without penalty.