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  • Personal Loans FAQ

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 eligible for a personal Loan?
  • Do you offer loans for people with bad credit?

 

Lending Process

  • How are loans calculated?
  • How loans are approved?
  • How long until I receive the money?
  • How will I receive my loan?
  • What happens after you have submitted your application?

 

General

  • Why loans are important?
  • Can loans improve credit score?
  • What can I use my personal loan for?
  • What loans can be consolidated?
  • Which loans should I consolidate?
  • Are loans considered assets?
  • Are loans considered liquid assets?
  • Do you offer unsecured loans?
  • I’m self-employed, can I still get a loan?
  • Does it matter where I live?
  • Can my vehicle be offered as security

 

Rates, Fees & Repayments

  • What are the rates and fees?
  • Can loans be paid off early?
  • Can I make extra payments or pay my loan off early?

Quick Loan Application

Apply for a loan using the online loan application form.

Apply Now

NZCU South is not a registered bank.
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Credit Union Baywide trading as NZCU South. Terms and conditions and normal lending criteria apply. A $500 approval fee and other fees apply for home lending. A $250 approval fee and other fees apply for personal lending. All variable rates, fees and returns are subject to change without notice. The current Product Disclosure Statement and other disclosure statements are available here or on request from the Credit Union. NZCU Baywide savings are shares secured by a first ranking security over Credit Union Baywide's assets. Click here to view our rates and fees.
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