Emergency Loans

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.

An NZCU South emergency loan provides 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.

So if you are in need of emergency loans, or personal loans online NZ wide, then apply here and we can provide the financial assistance you need.



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.

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‘Back a Mate’ Refer someone who qualifies for a personal loan and you each get $50.00.