Emergency Loans

In need of an emergency loan? Talk to your NZCU South team and see if you are eligible for financial assistance.

An emergency may strike at any moment. We may not be prepared mentally, physically or even financially. An emergency loan acts to cover ourselves in times of need when your money may not be accessible, or your savings may not be enough to overt the emergency at hand. When a financial emergency happens, the need for fast loans is of a high priority to remedy any unexpected difficulties you may be faced with. To better your position financially and allow you to focus on what really matters. Our secured NZCU South emergency loans start from 9.9% p.a. and can provide you peace of mind when disaster strikes, with the ability to access quick loans online, NZ wide in an upfront, timely manner. To be on hand and help a fellow kiwi out in times of need. Our fast online loan application process means you can avoid a dose of paperwork, long queues and any worry about money during a time of difficulty.  Help is on hand, and at NZCU South we are here to help our fellow New Zealanders out. We are here to back you and help you achieve the lifestyle you want – faster and more easily.

Things you should know…

What are the terms and conditions of a personal loan?

Click here to go to our rates page

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  
*Variable interest rate. Ts&Cs and normal lending criteria apply. A $250 approval fee & other fees apply.

Try our personal loan calculator to see how much you can 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.