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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 a Smart Personal Loan and get what you need today


    ico-sm-clock.svg Fast Approvals

    ico-sm-procent.svg Loans from 9.95%

    ico-sm-lock.svg Secured & Unsecured Loans


    Apply now

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

    General Terms & Conditions ›

    Specific Terms & Conditions ›


    How can we help you reach your goal?

    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. There’s lots of reasons Aucklanders choose a
    Personal Loan from NZCU – find out why here…

    Renovate Home

    We're renovating our home

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

    Debt Consolidation Small

    I want to consolidate my debts

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

    Holliday Bike Tour

    We want to go on
    
holiday

    With an NZCU Action loan, you can afford that well-earned holiday or special family event.

    Wedding Day

    We're planning the wedding

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

    Apply now

    Personal Loans
    From     9.95%

    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 9.95% 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’re chasing a new car, hankering for a holiday or looking to consolidate your debts
    we reckon you’ve come to the right place. There’s lots of reasons Aucklanders choose a
    Personal Loan from NZCU – find out why here…

    Ico Mouse

    Online Loan Application

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

    Ico Procent

    Rates from 9.95%

    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

    Ico Calendar

    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.

    Kimberly

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

    Gayle

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

    Angela

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

    Joe

    Ready to get started?

    Apply now


    Or call 09 579 1026 (9am - 5pm)

    Important Info about a NZCU Personal Loan:

    NZCU Auckland provides personal loans with interest rates ranging from 9.95% 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.