Credit Card Consolidation Loans

Consolidate your credit card debt with a secured debt consolidation loan from 9.9%*

Are you struggling with high credit card debt that carries with it high-interest rates?  If you’re on a mission to improve your life – great news, so are we. Credit card debt relief can be found in a credit card debt consolidation loan.  NZCU South can help combine your credit card debt so you can save money on your interest payments and pay off your debt faster. At NZCU South we specialise in credit debt help by offering a personal loan that consolidates credit card debt into one loan with regular easy repayments to suit your needs. We offer the best credit card consolidation loans by helping you structure your account so you can manage your money better. We are here to foster a healthy attitude towards money.  Talk to our friendly staff on 0800 Lend2U  (0800 536 328) to find out how we can help you.  Apply for your credit card consolidation loan today.

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 credit card consolidation 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

Debt Consolidation Info & Guides

Who is debt consolidation for?
Why get a debt consolidation loan
When is debt consolidation a good idea?
How does debt consolidation work?
Are debt consolidation loans bad for your credit check?
Debt Consolidation FAQ