Boat Financing

We offer secured boat loans at excellent rates from 9.9% p.a.*

Our boat loans are flexible and can be tailored to your budget. Our friendly staff will work with you to provide support for your boat loan, meaning you can stay on top of your marine finance. With our help, you will be able to cast your line out into the water worry free, as our manageable boat loans will be personally suited to your current financial situation. NZCU South also offer boat repair loans so that you can keep your vessel in top notch condition. Marine financing can be a hassle, so let us take the stress out of your repairs by financing them for you, allowing you to get back onto the water in no time. Whether it’s a new or used boat loan, we customise your loan so that we can create the best package for our members. This means that your marine finance loan becomes a quick and easy process. Go with the team you trust and let us assist you in owning the vessel of your dreams with an NZCU South boat loan.

Things you should know…

What are the terms and conditions of a personal loan?

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For more information on NZCU South’s Lending process, please read our Loan Agreement (General Terms) and our Loan Agreement (Specific Terms).
How much will a $10,000 personal loan cost you? Below is an example of a $10,000 personal loan at 13.95% p.a.  Please talk to us about your requirements and we will cater your loan to suit your needs. The loan application fee of $250.00 and loan security fee of $50.00 (if applicable) are added to the loan.  In this example the interest rate is 13.95% p.a. and the repayment amount is $100.00 per week.  The term of the personal loan is for 2 years and 4 months. The total interest is $1765.43, and the total cost of the loan is $12,065.43.  The Finance Rate / Annual Percentage Rate (API) is 16.648% p.a. (includes fees) *Variable interest rate. Ts&Cs and normal lending criteria apply. A $250 approval fee & other fees apply.

Try our personal loan calculator to see how much you can afford or how much you can save with NZCU South.



Interest Rate



36 month(s)

Your repayments could be as low as*:

$0 per

0 Repayments
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* Please note the calculations provided are estimates only, and do not constitute a quote; actual rates, fees and repayments may differ from those shown here.

*Lending criteria and conditions apply