DIY Loans

Home renovation loans from 9.9%*

Whether it’s a DIY loan, a home renovation loan or even a remodel loan, here at NZCU South, we have the know how to finance it all. There’s no need to put your housing needs on hold, as we provide flexible home improvement financing, customised just for you. With secured rates from 9.9% p.a.* we can provide the proper financing for your home improvement projects. We know how important it is to make sure your home feels like home. Whether it’s just to tidy up the back yard, add a little more light to the living room, or to completely deck out the master bedroom by adding an ensuite. We can sort you out with a home renovation loan that will leave you with no excuses! An affordable remodel loan will allow you transform your house into the castle of your dreams. Don’t let your ambitions sit in the back of your mind. Allow us to assist in your home improvement financing and get you one step closer to creating your dream home.

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)

Try our 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*:

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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