Rating based on 69 reviews

NZCU South


  • Bad credit loans up to $500,000
  • Low-interest starting from 3.20%
  • Repayment up to 12 months

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NZCU South homepage

Author NZCU South. Screenshot of NZCU South website. [Accessed September 6, 2021]

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.

NZCU South Services

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. 

NZCU South Bad credit loan

  • Loan Type Bad credit loans
  • Interest Rate 3.20 – 47.95% p/a
  • Loan Amount up to $500,000
  • Repayment 1 month to 12 months

Benefits of NZCU South

  • Get a bad credit loan online
  • Easy online loan applications
  • Variety of loan options

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

I have been a member of NZCU South for a number of years and only recently found out about the app and that I can apply for a loan straight from the palm of my hand.

Marshall C
— Palmerston North —

Excellent service from the consultant I spoke with and very affordable rates.

Raphael W
— Christchurch —

NZCU South has been great. They offered me an unsecured loan at a lower rate than any other traditional bank. I highly recommend them!

Claude E
— Queenstown —

NZCU South Contact

Contact Number



Physical Address

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