Rating based on 39 reviews

NZCU South

  • Debt consolidation up to $500,000
  • Low-interest starting from 9.95%
  • Repayment up to 5 years

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Author NZCU South. Screenshot of NZCU South website.
[Accessed March 7, 2023]

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 respond to your needs

We are a mutual organization 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. 

Low-interest rates

Continuous training and development on debt consolidation loan products and feedback from our existing clients is how we take our business further. Not only do we offer transparent and quality services but our clients benefit by paying lower interest rates and better fees.

NZCU South Services

Potential loan seekers will find quality debt consolidation loans that will allow you to bundle your debt together and pay it all through one single affordable installment rather than multiple installments each with its own high interest rate.

Debt consolidation is an ideal solution for people who have gathered mounts of little debts and cannot afford the numerous installments. By consolidating debts under one loan, you only pay one reduced low-cost. Providing you with a higher disposable income. 

Unsecured loans

The easy online loans can be used when you need to pay for an unexpected account, have your car repaired or add those finishing touches to your home, finances are often a problem. Without having to lay down collateral such as your house or pension fund as security, you can still access financial assistance within certain terms.

NZCU South – Consolidation loan

  • Loan Type Debt consolidation
  • Interest Rate from 9.95%
  • Loan Amount up to $500,000
  • Repayment 6 month to 5 years

Benefits of NZCU South

  • Get a debt consolidation loan online
  • Unsecured loan options
  • Lower interest rates
  • Reduced monthly payments

Effectively repay your debt with a NZCU South debt consolidation loan

At NZCU South, they have ensured the easiest loan application process.

They are a reputable and trusted lender that has come to the aid of many New Zealanders spread out across the country. Beyond their affordable debt consolidation loans, they also offer other forms of financing such as personal loans and car loans, at affordable rates.

Personal loans

These 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 assist you with reaching that dream.

Applying for a debt consolidation loan

Applying for a debt consolidation loan will require that you complete an online loan application with a list of all of your income, expenses, assets, and debts. Once your application has been received a credit check is completed and your application is assessed.

If your loan is approved, the borrower will accept, agree, and electronically or physically sign the personal loan contract. Your debt consolidation loan will usually be paid out on the same day directly to the third-party organizations to make it as easy as possible for you as the borrower.

Customer Reviews & Testimonials

Quality and value for money. I highly recommend their services!

Jason C
— Nelson —

More than affordable rate and repayment term on my unsecured loan.

Donovan K
— Nelson —

NZCU South Contact

Physical Address

Postal Address

  • PO Box 1437, Invercargill, 9840, New Zealand

Opening Hours

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