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 will still be able to contact us by phone on (09) 579 1026 between 9am and 4:30pm weekdays. BRANCH CLOSURES: Our Highbrook and Tip Top branches are closed until further notice.

Banking & Personal loans made easy at NZCU

Friendly, personalised banking for everyone.
Easy online loan applications.
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.

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 8.95%

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.

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.