Unsecured personal loans

Unsecured personal loans from 10.90% p.a.*

Our unsecured personal loans start from 10.90% p.a.* and can be used for almost any reason – including debt consolidation, holidays, home improvement, family events or even school fees!

What is an unsecured personal loan?

An unsecured personal loan is when the borrower offers no security as collateral for the personal loan. No security being offered means there is greater risk for the lender, so the interest is adjusted to reflect this. An unsecured personal loan is perfect for those who want to borrow small amounts of cash fast! Apply online or speak with the friendly staff at NZCU South today about an unsecured personal loan.
  • Affordable repayments
  • A selection of repayment terms
  • Dedicated lending consultant
  • Top up your loan at any time.*
Consolidate your debts or buy the things you want now with an unsecured personal loan.

Things you should know…

What are the terms and conditions of a personal loan?

Click here to go to our rates page

Below is an example of the total costs included over the term of a secured personal loan: $15,000 personal borrowing + $250 approval fee + $36.51 third party charges (credit check, vehicle check and registering security over vehicle) $15,286.51 Set up over a term of 3 years (157 weeks) at 9.9% p.a. interest = weekly repayments of $112.74.

Try our personal loan calculator to see how much you can afford or how much you could save with NZCU South.



Interest Rate



36 month(s)

Your repayments could be as low as*:

$0 per

0 Repayments
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* Please note the calculations provided are estimates only, and do not constitute a quote; actual rates, fees and repayments may differ from those shown here.

For information on our loan agreements and terms and conditions click here.

*Variable interest rate. Ts&Cs and normal lending criteria apply. A $250 approval fee & other fees apply.