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  • Notice to Members: 2018 SCHOOL SCHOLARSHIP APPLICATIONS Now Open. Apply here or call 579-1026.

    We can tailor a Personal Loan to get what you need today.

    Apply for a Personal Loan

      Fast Approvals       Loans from 9.95%       Secured & Unsecured Loans

    Why get your personal loan through 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.

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    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

    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.


    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!


    Got everything sorted?

    Apply for a Personal Loan

    Want to know more?

    Call 09 579 1026