Rating based on 633 reviews

NZCU South

image of NZCU South
image of NZCU South

About – NZCU South

Credit Union South, trading as NZCU South, is a 100% New Zealand owned financial cooperative and has been making New Zealanders financially stronger for 54 years.

We are a mutual organisation offering a large range of services, especially identified by our customers to meet their financial needs. This means we can respond to your needs promptly and with understanding. All profits are returned to our customers through top interest rates on savings, low-cost on instant loans, and reasonable fees.

Our loans have low interest rates

Continuous training and development on our secured, unsecured and bad credit loan products and feedback from our existing clients is how we take our business further. We offer not only transparent and quality services, but our clients benefit by paying lower interest rates and better fees than anywhere else in the country.

Services – NZCU South

NZCU South Loans offer affordable bad credit loans to New Zealanders who have a less than perfect credit history.

We understand that financial situations can change due to circumstances that are beyond control, which is why we offer quality bad credit loans.

Bad credit clients are welcome to apply

These loans can be used for basically anything you need a little extra cash for. You could be planning your wedding and need to finance those costly catering bills, take a vacation with your family over the holidays. Whatever you need, taking a personal loan can cover it. The fact that you have a bad credit score should not stand in the way of you getting the necessary financing to pay for what you want and need. 

Interest Rate

From 0 %

To 0 % Per annum

Loan Amount



Repayment Term

0 month

0 months

Summary of Services

  • PERSONAL Loans
  • BAD Credit Loans
  • DEBT Consolidation

Here’s a short video about NZCU South

Don’t let bad credit stand in your way – get a NZCU South loan today

NZCU South is a reputable lender that will gladly accommodate any suitable applicant with a sufficient income, regardless of their credit score. It offers you the opportunity to apply for the loan amount you need to make your dreams a reality.

You can easily apply for a loan at NZCU South without the stress of your credit history. Simply visit their website and complete the easy online application form. All you need to do is enter the relevant information such as your personal details, monthly income, the amount you would like to borrow, etc.

Loan repayment insurance

Protect yourself from the stress of repaying your loan in the event of the unexpected. Having loan insurance for your bad credit loan repayments is a sensible and cost-effective step. This ensures your family has protection when it is most needed.

Customer Reviews & Testimonials

 Contact Details

409 Colombo St, Sydenham, Christchurch, 8023, New Zealand
Ph: +64 3-365 0420
Fx: 03 211 3952
Em: enquiries@nzcusouth.co.nz

 Postal Address

PO Box 1437, Invercargill, 9840, New Zealand

 Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:30 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed