Do you offer loans for people with bad credit?

It is NZCU South’s policy that a Veda credit check is required for every new personal loan applications.

NZCU South’s Interest rate pricing and loan terms are assessed after taking into consideration your overall profile, credit check/history and capacity.

Bankruptcy or NAP (non-asset procedure) must not still be reported as a current or discharged bankrupt on your credit check.

Having bad credit doesn’t necessarily mean the loan will get declined but it will normally make it harder for you to get a personal loan and you will normally pay a higher interest rate.

apply for a personal loan


Personal Loans Page
Do you offer unsecured loans?
Am I eligible for a personal Loan?


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)