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    • We’ll tailor a Personal Loan to get you into action today.


    Apply for a Personal Loan


      Fast Approvals       Loans from 9.95%       Secured & Unsecured Loans


    Why apply for a Personal Loan from NZCU Auckland?

    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…

    Ico Mouse

    Apply for your loan online

    Applying for a loan online has never been easier. Quick, confidential and easy.

    Ico Tailor

    Tailored for your needs

    Let our NZCU loan experts help you design a loan to suit your lifestyle and needs.

    Ico Procent

    Fixed Interest Rates

    Know where you stand with a competitive rate fixed for the life of the loan.

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    Flexible loan repayments

    Choose from weekly, fortnightly or monthly and make extra payments without penalty.

    Personal Loans
    From 9.95%

    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!


    Apply for a Personal Loan

    What is a Personal Loan?

    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

    Home Renovation

    For Home Renovations

    Don't put it on the mortgage when
    a short-term Action Loan will save
    you heaps.

    Debt Consolidation

    For Debt Consolidation

    Wrap the credit card and hire
    purchase debts in to one
    affordable Action Loan.

    Family Holiday

    For Family Holidays

    With an Action Loan, now you can
    afford that well-earned holiday or
    special family event.

    What our customers have to say

    When consolidating several loans, we were relieved when NZCU were able to help us AND offer a really low interest rate.

    Kimberly

    NZCU have given us expert, efficient and quick service when applying for any loan and we'll continue to bank with them.

    Gayle

    I don't feel like I am a number - I'm treated as a member and my opinion matters

    Angela

    Excellent service, prompt response to enquiries and provide the best lowest loan interest!

    Joe

    Got everything sorted?

    Apply for a Personal Loan

    Want to know more?

    Call 09 579 1026

    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.