Consolidate at a great rate

Combine $20K worth of debt into one secured loan from 9.9% p.a. & payments of $77* per week.

Getting a debt consolidation loan has never been easier! Combine your existing debt into loan and save yourself the hassle of managing multiple payments and interest rates this year! With debt consolidation loans from 9.9% p.a.* we can provide the tool to help free up your finances and give you the opportunity to tackle your debt head on. Apply for a debt consolidation loan with us today and find out how easy it can be when you are financially stress free. *This example is calculated on a loan with full repayments made over a 7 year period at an interest rate of 9.9% p.a. Total repayments over the term of the loan would be $28,167.36 (indicative only). Weekly repayments are indicative only. Variable interest rate. Terms and conditions and normal lending criteria apply. A $250 approval fee and other fees apply. This calculation is intended as a guide only and is not an offer from NZCU South. All interest rates and fees quoted are subject to change.

Things you should know…

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 9.9% p.a. interest = weekly repayments of $112.74. 

Click here to go to our rates page

Try our debt consolidation calculator to see how much money you could afford or how much you could 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.