Notice to Members: New Dividend rates from 1 March 2020 - for details click here

Banking & Personal loans made easy at NZCU

Friendly, personalised banking for everyone.
Easy online loan applications.
Loans from an incredibly low 9.95% p.a.

Calculated at an example interest rate of 15% p.a. Your total repayment would be $0.00. The actual interest rate offered to you may differ and is dependent on your credit history and rating.

Taking care of your finances with everyday banking, personal loans and insurance at NZCU Auckland

Everyday Banking at NZCU

Open a flexible bank account that lets you bank how you want, when you want to and as often as you want.

NZCU Accounts

Personal Loans from 9.95%

New car, family holiday, debt consolidate? Know where you stand with a competitive rate fixed for the life of the loan.

Personal Loans

We’re on your side

We’re all about helping everyday Kiwis achieve their financial goals; with banking, home loans, savings accounts and insurances.

About NZCU

Anything is possible with
a NZCU Personal Loan

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. With competitive interest rates, flexible terms and payments to suit, there are lots of reasons New Zealanders choose a Personal Loan from NZCU – find out why here…

Personal Loans

NZCU Auckland is proud to be a
credit union and not a registered bank.

NZCU Auckland is a co-operative finance organisation, 100% Kiwi Owned and part of the NZCU group.

We work together with our members and customers to provide comprehensive banking, loans and insurance services. We’re not on your back, we’re on your side.

Credit Union Auckland trades as NZCU Auckland. Account terms & conditions and normal lending criteria apply. View our Product Disclosure Statement here or on request from the Credit Union. NZCU Auckland savings are shares secured by a first ranking security over NZCU Auckland’s assets. View our rates & fees here.

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

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.