Notice to Members:

REDUCED HOURS: Owing to staff shortages, Penrose and Manukau branches will open at reduced hours (10am to 2pm) with COVID-19 protocols (click here to view protocols). You can still contact us by phone on (09) 579 1026 between 9am and 4:30pm on weekdays. BRANCH CLOSURES: Our Highbrook and Tip Top branches are closed until further notice.

Better way to Bank. Better way for Personal Loans.

Member Owned.
Better Rates, Better Terms, Lower or Fewer Fees.
Personal Loans from only 8.95 % 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.

Inspired for Better. We are driven by the authentic desire to positively impact our community. We provide tailored banking and financial services to our members across Tāmaki Makaurau.

Better Way to Bank

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

NZCU Accounts

Better Way for Personal Loans

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

Personal Loans

Inspired For Better

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

About NZCU

Member Owned

We all have different stories, different wants and needs, and different dreams. We also have something in common. A a belief in the power of coming together to create something better for ourselves, our community, and to help each other get ahead.

Personal Loans

NZCU is proud to be member-owned. This means, better rates, better terms, lower or fewer fees - you get more when you own it.

At NZCU Auckland, we resonate with our members and community through our shared values of fairness, inclusion, respect, transparency and belief in the common good. As a team, we collectively work together to provide banking services best suited for you.

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.

Important Info about a NZCU Personal Loan:

NZCU Auckland provides personal loans with interest rates ranging from 8.95% 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.

Co-op Money New Zealand

Independent complaints service

Regulator for non-bank deposit takers

Home, Contents & Vehicle Insurances

Registered Qualifying Financial Entity (QFE), Registered Financial Services Provider

Our Supervisor for deposits with First Ranking status.