Do you offer unsecured loans?

At NZCU South we offer you the choice of unsecured personal loans and secure personal loans.

An unsecured loan is obtained without the use of collateral for security.  Normally, this means that the amount you can borrow is less and the interest rate charged is slighter higher than a secured loan. In the majority of cases the maximum unsecured portion of any loan is $25,000 (in addition to the Loyalty Account balance).

A secured loan is obtained with the use of collateral for security. Normally, this means that it will help you borrow more and reduce the interest rate you pay.

Interest in items taken as security will be registered on the Personal Property Security Register (PPSR) until the loan is paid off.

We specialise in secured and unsecured personal loans.  The advantage of a secured personal loan is that the rate on the loan is generally less than that charged for an unsecured loan.

apply for a personal loan


Personal Loans Page
Am I eligible for a personal Loan?
What happens after you have submitted your application?

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)