Debt Consolidation

Debt ConsolidationAre you suffering from over extending yourself with credit cards, hire purchases and overdraft spending.

Paying them back can be a hassle. With a debt consolidation loan, we can help you combine / consolidate your debt and leave you with one easy monthly payment to make and save a lot on interest payments.

Talk to our friendly staff today to find out how we can responsibly succeed together to help you live your dreams. Apply for your debt consolidation loan. *Lending criteria apply.

While NZCU South is based in the South Island, we help all kiwis to consolidate debt by offering debt consolidation loans NZ wide.

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.

Home owner [or NZCU South mortgage customer] personal loan rates from 10.95% p.a. Non-home owner [or Non-mortgage customers] rates from 14.95% p.a. Important terms and conditions, including lending criteria, fees and charges apply.  Minimum loan value $5,000. Finance provided by Credit Union South, trading as NZCU South.  Other rates available on request.

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

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