Can my vehicle be offered as security?


For a vehicle to be offered up as security, it must meet four criteria;

1: The vehicle must be valued over $5,000.

2: The vehicle must have a current WOF (Warrant of Fitness).

3: The vehicle must be registered and if applicable, have a RUC (Road User Charges) licence.

4: The vehicle cannot be currently used as security elsewhere.


In addition to the criteria above, if you get a loan with NZCU South and the purpose of the loan is to purchase a motor vehicle or refinance a motor vehicle from another institution, and is valued over $10,000, it must be taken as security via PPSR (Personal Property Securities Register).


apply for a personal loan


Do you offer unsecured loans
What information do I need to apply?
What are the rates and fees?


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)