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  • 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. 

    Get on top of your debts with a Debt Consolidation Loan

    Take out one, lower-interest debt consolidation loan and put all of those hire purchases, store cards and credit cards behind you.

    Apply now

    Or call 09 579 1026 (9am - 5pm)

    What’s a Debt Consolidation Loan?

    A Debt Consolidation loan is where we roll your current loans, credit cards and retail hire purchases into one manageable loan. You end up with just one loan to repay, often at a lower rate than credit card and retail finance rates. So get ahead with one simple and affordable loan with weekly, fortnightly or monthly repayments, over a fixed agreed term.

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    Debt Consolidation
    Loans from 8.95%

    If the interest-free period on that TV from the retail store has expired you could be paying interest of up to 29% p.a. If you consolidate that debt or move that hire purchase into a NZCU personal loan you could be paying as little as 8.95%.

    We’re here for you

    The interest you’ll pay at NZCU Auckland, considers how much you want to borrow, the term of the loan, your income, your other financial commitments and your credit history. We’ll work with your specific circumstances to design a loan that fits your ability to pay. We’ll do our best to arrange the lowest rate possible. And if we can’t help we’ll tell you upfront and suggest alternatives.

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    Ready to get started?

    Take the pressure off now!

    Debt Consolidation loans can come with many advantages:

    • #1: You can destress by taking the repayment pressure off
    • You’re taking a sound step forward to control your finances
    • You’ll be able to budget better with fixed regular repayments in place
    • There’s a good chance you’ll be paying less interest