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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 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 For Personal Loans. Lower Rates and Customised Terms.

    ico-sm-clock.svg Fast Approvals

    ico-sm-procent.svg Loans from 8.95%

    ico-sm-lock.svg Secured & Unsecured Loans

    Apply now

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

    General Terms & Conditions ›

    Specific Terms & Conditions ›

    We understand cultural as well as financial needs and have a genuine want to helping people. Better Rates, Better Terms, Lower Fees.

    If you want a new car, are planning a holiday or want to consolidate your debts, you’ve come to the right place. We are here to help you with a
    Personal Loan from NZCU – find out more here…

    01 Were Renovating Our Home

    Need funds to renovate your home

    Don't put it on the mortgage when a short term personal loan is a cheaper way to finance improvements.

    02 I Want To Consolidate My Debts

    Save more by consolidating your debts

    Wrap credit cards, store cards and other debts into one affordable debt consolidation loan.

    03 We Want To Go On Holiday

    Need some extra cash
for a holiday?

    With an NZCU Action loan, we'll help you pay for that well-earned holiday or special family event.

    Wedding Day

    Need some cash to pay 
    for a wedding?

    With a loan from NZCU, plan the wedding of your dreams for yourself or for your family.

    Personal Loans

    We’re not on your back; we’re on your side. As a co-operative finance organisation, we can offer some of the most competitive personal loan rates in New Zealand. So depending on your security and personal profile, we may offer you a personal loan from 8.95% p.a. interest – try getting that sort of rate from a loan broker!

    Apply now - it takes just 10 minutes »

    Why get your personal loan through NZCU Auckland?

    If you want a new car, are planning a holiday or want to consolidate your debts, you’ve come to the right place. We are here to help you with a
    Personal Loan from NZCU – find out more here…

    Ico Mouse

    Online Loan Application

    Applying for a loan online has never been easier. Convenient, quick and confidential.

    Ico Procent

    Rates from 8.95%

    Know where you stand with a competitive rate fixed for the life of the loan.

    Ico Tailor

    Tailored to Your Needs

    Let our NZCU loan experts help you design a loan to suit your lifestyle and needs

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    Flexible loan repayments

    Choose from weekly, fortnightly or monthly and make extra payments without penalty.

    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.


    NZCU have given us expert, efficient and quick service when applying for any loan and we'll continue to bank with them.


    I don't feel like I am a number - I'm treated as a member and my opinion matters


    Excellent service, prompt response to enquiries and provide the best lowest loan interest!


    Ready to get started?