Car Finance Loans

Secured Car loans from 8.9% p.a.* tailored to suit your budget.

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While based in the South Island, we are one of the top providers of Car Finance NZ wide – servicing Auckland, Wellington, Christchurch, Dunedin and more! With our help, you could be driving away with the car of your dreams much faster than you expected. We can provide a tailored package specific to your needs and financial means in order for you to purchase the vehicle you want or pay for repairs on your existing vehicle. Car repair loans are handy for those unexpected car maintenance bills.  If you are purchasing a new car, our affordable payment plans mean you can get your vehicle sooner.

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.

Loan Repayment Insurance

Protect yourself from the stress of repaying your loan in the event of the unexpected. Having Life Insurance for your loan repayments is a sensible and cost effective step. This ensures your family has protection when it is most needed.
  • Cover includes: life, disability, trauma, redundancy and bankruptcy
  • Choose to have life insurance only or a combination or any of the other components
  • Cover calculated on daily balance and paid monthly, so you will never over pay.
We recommend you protect yourself in times of uncertainty with Loan Protection Insurance.

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

Amount


$1000

Interest Rate


13.95%

Term


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.