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.

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.

Home owner [or NZCU South mortgage customer] personal loan rates from 9.95% p.a. Non-home owner [or Non-mortgage customers] rates from 13.95% 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 Overall rating: 4.7 out of 5 based on 405 reviews.

For further debt consolidation questions and information see;

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 FAQs

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