Unsecured personal loans

Unsecured personal loans from 9.15% p.a.*

Our unsecured personal loans start from 9.15% 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?

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How much will a $10,000 personal loan cost you? Below is an example of a $10,000 personal loan at 13.95% p.a.  Please talk to us about your requirements and we will cater your loan to suit your needs. The loan application fee of $250.00 and loan security fee of $50.00 (if applicable) are added to the loan.  In this example the interest rate is 13.95% p.a. and the repayment amount is $100.00 per week.  The term of the personal loan is for 2 years and 4 months. The total interest is $1765.43, and the total cost of the loan is $12,065.43.  The Finance Rate / Annual Percentage Rate (API) is 16.648% p.a. (includes fees)

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 more information on NZCU South’s Lending process, please read our Loan Agreement (General Terms) and our Loan Agreement (Specific Terms). *Variable interest rate. Ts&Cs and normal lending criteria apply. A $250 approval fee & other fees apply.

‘Back a Mate’ Refer someone who qualifies for a personal loan and you each get $50.00.