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  • Notice to Members:

    CHRISTMAS CLOSURE:  All our branches will be closed from 25 December to 4 January.  Other than that, our branches at Penrose, Manukau and Highbrook are open at their normal hours, but with COVID-19 protocols (click here to view protocols).

    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 much more favourable rate than those hefty credit card and retail finance rates. So clear the slate 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 9.95%

    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 9.95%.

    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 way less interest