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?

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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.

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.