First Credit Union

image of First Credit Union
image of First Credit Union

About – First Credit Union

First Credit Union in New Zealand has been offering financial assistance to client for over 60 years.

This speaks volumes for our experience in the industry and our ability to offer affordable and beneficial personal loan products to customers who are in need of assistance.

A Preferred Lender

We are not only one of the most preferred loan suppliers in the country, but also active members in helping the community within these borders. We are a Kiwi-owned New Zealand finance company and, were the very first in the country to be accredited.

Our history goes back years when getting a loan was not an easy task.

Happy Customers with FCU

Through our milestones, we have overcome many obstacles and gained an incredible pool of clients who not only affirm our status in the industry but, always remain happy customers. Our philosophy of helping people through affordable and quick finance is what we strive to achieve on a daily basis.

Care for our Environment

We believe not only in people by providing them with affrodable short-term finance but, also in the preservation of the environment.

Our employees add to the policy we have in place and recycle as a sustainability project on an ongoing basis. We feel strongly about preserving our natural world.

We back local business

With the backing of local businesses and leveraging off our relationships with suppliers, we are able of offer our clients the best deals at all times. We are transparent in our interest rates and fees.

We don’t hide unexpected costs from our valued clients.as a registered FATCA member, you can be assured you are receiving the best possible and accredited service in the country.

Services – First Credit Union

First Credit Union provides financial services for clients needing financial assistance in New Zealand - from personal cash loans to debt consolidation, we've got it covered.

Personal loans:

Get a personal loan to use for whatever you please. With low interest rates and simple and affordable repayment plans. Personal loans are easy to apply for online and take only 15 minutes to get approved. You can have your required cash sum in your banking account by the very next day.

Debt Consolidation:

Consolidate all your little debts into one loan with a debt consolidation loan. Lower payments every month and only one instalment. Get back in control of debt when you feel like you have no power over your budget.

Home Loans:

Whether you are looking for a new home or just want to refinance your existing home, we can help you with our affordable home loan products. Get pre-approval on the amount you want to spend on a home so you know exactly what price bracket you can go house hunting in.

Overdrafts / top up your existing loans:

Sometimes life throws you a financial curve ball. We are not always financially equipped to deal with things like this. Let us offer you an overdraft or loan top up to cover those expenses.

Car loans:

Should you be in the market for a new car, we can help you afford those dream wheels with our flexible car loans. We will also assist in getting you a better price with the car dealership.

Work out exactly how much you need with our loan calculator, which determines what your repayments will be on the amount you want to borrow.


Summary of Services

  • Personal Loans
  • Car Loans
  • Home Loans


Applying for a loan from First Credit Union

Applying for a personal cash loan from First Credit Union is quick and easy on our online platform, allowing our clients to receive their cash within a 24 hour period. The easy application process takes only 15 minutes to complete.

What you'll need to Apply

To apply for a loan with us, we can get the basic information we need to process your request and approve clients who meet the specific criteria online. You would need to submit information regarding your salary and income (a payslip will suffice). We would need to know if you have any outstanding current loans or if you are guarantor for anyone else at present.

Any information we can use as security for your loan is an added benefit to you. A breakdown of your current expenses and banking details (bank statements) is needed. And a copy of your identification documents, just to ensure you are a New Zealand resident.

Document Submission and Loan Agreement

Signing the loan agreement will be discussed with you on approval. We will find the best possible way for you to sign and submit the documents without having to come into a branch.

We provide our clients with an easy to use calculating tool. This can give you an indication of what your short-term loan repayments will be on the loan amount you need. You can also choose to pay off your loan weekly, monthly or fortnightly, the choice is yours.

The Best Rates

When you get a loan from First Credit Union, you get the best personal loan rates in the market. Our rates vary on the basis of your risk assessment on application. The general benchmark ranges from 11.99% on our loans. Home loan rates range from 5.60% and can also be applied for using our online application process.

Repayment Calculations 

Repayment terms and amounts will be negotiated according you our client’s budget and the amount or type of loan they require. Should you choose to consolidate your pending loans into one, this option benefits the clients from day one. Clients can pay off their outstanding loans with a consolidated loan, leaving them with a lower instalment over only one loan each month.

Money in 24 Hours

Getting cash when you in a fix is now a lot easier than before. With technology saving you time and efficient back end solutions driving the way to faster and simpler processes, you can obtain a quick loan in 24 hours without stepping foot into a bank.

 Contact Details

111 Collingwood St, Hamilton, Waikato, 3204, New Zealand
Ph: +64 7-834 4810
Fx: 07 839 5179
Em: [email protected]
Em: [email protected]

 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 –