Am I eligible for a personal Loan?

Before applying for an NZCU South personal loan it is important to understand the main conditions of our lending criteria. To be eligible for a personal loan you should fit the following loan criteria.

  • 18+ years of age
  • Permanent resident of New Zealand
  • Non-residents on current work visa
  • Adequate proof of identity
  • Co-borrowers are permitted to join an application for a loan.
  • Employment -Full time, permanent part time or casual with a minimum of 20 hours per week or temporary workers with a validated employment record or in receipt of permanent welfare benefits. Time in employment will also be used as a consideration in the credit assessment.
  • Permanent or fixed Address – either an owner/buyer/renter. This includes boarders sharing a residence and/or living with parents. Time in residence will also be used as a consideration in the credit assessment.
  • Discharged Bankruptcy, NAP (non-asset procedure) or SIO. This must be declared.
  • Satisfactory Credit Report.

apply for a personal loan


Personal Loans Page
Do you offer unsecured loans?
How long until I receive the money?

For more information or to apply for an NZCU South Personal Loan:

Apply online

Complete the online application and we will be in touch with a decision very shortly.

Request a Call Back

We will be in touch with you very shortly

Call Us 

0800 Lend2U (0800 536 328)