Rating based on 43 reviews

First Credit Union


  • Debt consolidation up to $15,000
  • Low-interest starting from 22.95%
  • Repayment up to 3 years

In-page navigation

First Credit Union homepage

Author First Credit Union. Screenshot of First Credit Union website. [Accessed September 6, 2021]

About First Credit Union

With a history of over 60 years, First Credit Union is a leading provider of banking and financial products and services.

We are not for profit and this enables us to offer easily accessible and manageable personal loans, savings accounts, insurance and term investments as well as banking accounts.

Quick and convenient online applications

The money which we pool from our members goes back to them. This is an effective mechanism for achieving better interest rates and low fees. Every member who banks with us is entitled to a copy of our annual report and invited to attend our annual general meeting to have their say.

It is easy to become a member. You are welcome to apply for a loan online on our website. We will contact you to inform you of the next steps.

First Credit Union Services

Repaying debt on hire purchases, overdrafts, credit cards, personal loans and car loans can get very complex at one point.

You can combine all of your debts into one with the professional help of First Credit Union. Our debt consolidation loans are designed to give you just a single instalment to pay weekly, fortnightly or monthly. They help to eliminate the hassle and stress and the risk of missing a payment.

You can become debt free

We can tailor the consolidation loan to make the payment smaller than the total amount which you currently pay. This will give you more money to spend during the month. You can apply for debt consolidation online via our website, over the telephone or in any of our branches. You should provide proof of all of your existing debts to enable us to find the right solution.

First Credit Union Consolidation loan

  • Loan Type Debt consolidation
  • Interest Rate from 22.95%
  • Loan Amount up to $15,000
  • Repayment 6 months to 3 years

Benefits of First Credit Union

  • Low rate loans
  • Tailored debt consolidation loans
  • A simple online loan application

With lower interest rates & outstanding service, we are the preferred debt consolidation partner

Debt Consolidation Loans - First Credit Union in Hamilton Can Help! Credit cards, store cards, accounts, overdrafts, individual advances - paying all of them back can get confounded!

Take the next step to financial freedom and speak with us about joining all your debts into one straightforward reimbursement - odds are you'll spare hundreds of dollars by doing so.

An expert debt consolidation partner

We've been offering New Zealand and surrounding areas assistance with their financial issues for over 60 years. Additionally, we offer guidance, assistance and responsible lending to all who require fast loans. We're a 100% New Zealand owned accredited firm. We're here to make your own accounts less demanding and sensible.

We believe that it's vital to get out on the town and converse with individuals about what we do and why it's critical to spare! We make our service personal and face to face. We want to let the customers out there know that there is a solution to their financial issues.

We put our clients FIRST

On account of the backing of the nearby organizations, we can present to you the range of incredible personal cash loan products to suit your individual needs. Our services go beyond the call of duty; we will deliver on our promises and expectations of our clients.

Whatever your loan needs, we will search the right rates and premiums to suit your budget, to ensure your quality of life is not completely ruined by a wave of financial obligations. Why not call us or visit our closest branch. Speak to our advisers and find the best-suited loan for your ideal needs. 

Customer Reviews & Testimonials

I have been a member of FCU for a while now and when I was in trouble, I knew I could turn to them to help me out. Best credit provider!

Matthew D.
— Tauranga —

They didn't just help me with a loan, they helped me work out a budget I could follow. Great service!

Sami S.
— Invercargill —

First Credit Union Contact

Physical Address

Opening Hours

  • Monday 09:00 – 16:30
  • Tuesday 09:00 – 16:30
  • Wednesday 09:00 – 16:30
  • Thursday 09:00 – 16:30
  • Friday 09:00 – 16:30
  • Saturday – Closed
  • Sunday – Closed