Personal Loans

Personal loans of $10k from $40 a week*

We could help you with a loan between $1K – $60k for whatever suits your lifestyle. Plus it’s a simple 100% online process!

Apply now

Personal loans from 9.9% – 24.9% p.a.*

Use a loan for vehicles, holidays, home renovations, or to sort your bills

*This example is calculated on a loan with full repayments made over a 7 year period at an interest rate of 9.9% p.a. Total repayments over the term of the loan would be $14,281.32 (indicative only). Weekly repayments are indicative only. Variable interest rate. Terms and conditions and normal lending criteria apply. An approval fee of $250 plus other third party service fees may apply. This calculation is intended as a guide only and is not an offer from NZCU South. The minimum personal loan borrowing amount is $1,000 and the maximum personal loan borrowing amount is $60,000. All interest rates and fees quoted are subject to change. View our full list of rates and fees here.

Personal loan details

Click here to go to our rates page

How much will a $10,000 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
+ $50 third party charges (credit check, vehicle check and registering security over vehicle)
= $15,300

Set up over a term of 3 years (158 weeks) at 9.9% p.a. interest = weekly repayments of $112.11.


Try our personal loan calculator to see how much you can afford or how much you could save with NZCU South.

Amount


$1000

Interest Rate


13.95%

Term


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.



For more information on NZCU South’s Lending process, please read our Loan Agreement (General Terms) and our Loan Agreement (Specific Terms). *Variable interest rate. Ts&Cs and normal lending criteria apply. A $250 approval fee & other fees apply.

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

Personal Loans FAQ

If you are unable to find the answer to your question here, please call 0800 Lend2U (0800 536 328) to speak with one of the NZCU South team. Pre-Approval How do I apply for a personal loan? What information do I need to apply? What do I need to apply for a Personal Loan? Am I […]

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