I’m self-employed, can I still get a loan?

NZCU South is able to offer personal loans to self-employed applicants.

Personal after taxable income is used for calculating the capacity of self-employed applicants. In these cases we require verification and copy of latest tax assessment notice and your latest financial statements showing two years trading results.

Self-employed applicants should also 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 line of credit or a loan.
  • 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 or SIO and declared on your application.
  • Demonstrated Capacity to Service the Loan

NZCU South has helped many self-employed people achieve their goals with our competitive self-employed personal loans.

apply for a personal loan


Personal Loans Page
Do you offer unsecured loans?
Do you offer loans for people with bad credit?

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)