Car Finance Loans

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

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?

Click here to go to our rates page

For information on our loan agreements and terms and conditions click here.

How much will a $15,000 personal loan cost?

When applying for a credit loan it’s important to consider all of the costs involved.

Below is an example of the total costs included over the term of a secured vehicle loan:

$15,000 personal borrowing
+ $250 approval fee
+ $36.51 third party charges (credit check, vehicle check and registering security over vehicle)

Set up over a term of 3 years (157 weeks) at 8.9% p.a. interest = weekly repayments of $111.12.
*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.



Interest Rate



36 month(s)

Your repayments could be as low as*:

$0 per

0 Repayments
Apply Now

* 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.