Rating based on 52 reviews

NZCU South


  • Personal loans up to $50,000
  • Low-interest starting from 9.95%
  • Repayment up to 60 months

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Author NZCU South. Screenshot of NZCU South website. [Accessed September 2, 2021]

About NZCU South

NZCU South loans in New Zealand are a part of the NZ credit union and is 100% owned by the company.

Our service is based on our customer's needs and what we can offer our customers to make their lives easier. With a range of services and financial products to suit every situation, we have underpinned the goal of lucrative and accredited lending in the country.

Choose the best option

With unsecured or secured personal loans up for grabs, our clients can find solutions where they can actually save without getting into unwanted debts. Our services are not about making money off our clients but rather, providing a service to help our customers reach their goals financially.

Delivering on high expectations

With many years of expertise in the NZ lending industry, we offer the best experience between our employees, delivering on high expectations of clients looking for financial assistance. We take time to develop our people to provide the service our clients deserve - for our people, this means our purpose is to open up their world by helping them develop professionally and personally. For our customers, this means opening up their world through the exciting medium of well organized, targeted and great value in their financial requirements.

Lower interest rates and better fees

Continuous training and development on new personal loan products and feedback from our existing clients are 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. We look forward to providing you with a quick loan solution where you are the winner from beginning to end.

NZCU South Services

NZCU South Loans in New Zealand can provide clients with a quick loan for any occasion. You can take advantage of our lower service fees and interest rates with the following loan offers:

Personal 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.

Unsecured Loans

When you need to pay for an unexpected account, have your car repaired, and put 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.

Debt Consolidation

This is a win-win situation for people who have gathered mounts of little debts and cannot afford the numerous instalments. By consolidating debts under one loan, you only pay one reduced instalment.

Car Loans

Get pre-approved car finance and get a cheaper rate from your car dealership. Once your car loan is pre-approved, you can have an idea of what vehicle you can afford when scouting for new wheels.

All our loans are easy to obtain, and quick payouts make our service extra special to our clients. All our instant loans can be accessed through a consultant on the phone or via email. The process is done online for your convenience, so no appointments or standing in queues are necessary.

NZCU South Personal loan

  • Loan Type Personal loans
  • Interest Rate 9.95 – 22.95% p/a
  • Loan Amount up to $50,000
  • Repayment 6 months to 60 months

Benefits of NZCU South

  • Low interest rates
  • Easy online loan applications
  • Unsecured personal loans

Get a stress-free personal loan with NZCU South Loans

Get fast customised loans from NZCU South Loans and get that extra cash when you need it.

Our services offer more than unbeatable service fees and interest rates. We offer our clients a service of the utmost highest quality care, revolving our processes around what our customers want. Our clients come first, and we are not here to profit off your loans. We have personal loans ranging from only 13.95% interest, giving you more cash to spend on whatever you please. Our easy online loans are unsecured, meaning you don’t have to sign surety for the amounts lent.

Our loans are fast!

With a quick application process, you can get approved and have cash in your bank account within only 24 hours. We offer repayments plans which fit in your budget and are payable over weekly, monthly or fortnightly terms. You get a dedicated consultant to help you throughout the loan application process, and be there for you should you have any questions or need any assistance with your loan agreement.

Top-up your loan

Our clients also have the opportunity to increase or top up their current loans when they choose to. To apply for any of our loan products, all you need to do is follow the online application process. A few details and documents may be required of you.

Should you wish to consider consolidating your loans into one loan – and pay off one instalment at a reduced rate, we also offer debt consolidation at a much lower interest rate.

Pre-approval - get it today

You can expect a pre-approved application on your car loan in hours. This makes the search for a car within your loan amount much easier to find. With our lending power, you leverage the ability to get cash deals from car dealerships.

Your loan agreement will indicate the terms and conditions and once signed you will have the cash you need. There is no limit to what you can achieve by a little extra cash boost. Having NZCU South loans in New Zealand on your side backing you up financially, you get more than cash in your bank account – you get a genuine partner who truly cares about your needs.

Customer Reviews & Testimonials

NZCU is by far one of the best credit unions. Their loan rates and fees are lower than traditional banks.

Eleanor E.
— Christchurch —

I am so glad a family member recommended NZCU South Loans. They helped me out of a tough situation.

Sara F.
— Christchurch —

Smart, affordable and easy to obtain. Highly recommended!

Emmy S.
— Christchurch —

NZCU South Contact

Contact Number



Physical Address

  • 409 Colombo St, Sydenham Christchurch Christchurch Region 8023 New Zealand
  • Get Directions

Postal Address

  • PO Box 7010, Sydenham, Christchurch, 8240, New Zealand

Opening Hours

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