New Zealand Personal Loans OnlineVintage Car Loan

Borrow for less and save for more with a Personal Loan from First Credit Union.

Our loans have great interest rates, no fees, and easy repayments.

Apply for a personal loan online now and get a quick answer or apply at one of our New Zealand branches.

Our simple personal loan application form takes about 15 minutes to complete. A loans officer will be in touch as soon as possible, provided that all necessary information is provided, a personal loan with First Credit Union is that easy!

We also provide a variety of loans including: home, car, debt consolidation and top up loans. View our information below to learn how to get a loan that's perfect for you!

We've been helping local people with their finances for over 60 years. As well as offering great low cost personal banking services and being actively involved in our community.

Get Your Application Started Today!


Apply Online | What You'll need

Find out what you need to apply! Our online personal loan application is easy and will only take around 15 minutes. Start now!

Personal Loans Calculator

Our online personal loan calculator can help you find out how much your repayments may be. Get started now!

Top Up Loans

If you're a member with us and find yourself a bit short of cash or have unexpected bills you need to cover, we may be able to offer you a Top Up Loan!

Debt Consolidation

Take control of those bills and credit cards with a debt consolidation loan! We can combine all of your debt into one easy to manage personal loan. Apply for a personal debt consolidation loan today - you will be in control of your debt in no time!

Home Loans

Looking for your first home or refinancing? A First Credit Union home loan could suit you! We can pre-approve your home loan before you start looking so you know how much you can spend.


If you're a member with us and find yourself a bit short of cash or have unexpected bills you need to cover, we may be able to offer you an overdraft!

Car Loans

Looking for a new car? Why not get a pre-approved vehicle loan with us and you'll have more bargaining power with the dealer and know exactly how much you can spend! You'll be driving away in your new car before you know it!

Loan Agreement and General Terms

See a copy of our loan agreement and General Terms

Loan Interest Rates and Fees

We don't charge any loan fees! Interest rate on our personal loans may vary. Find out about our rates here.

Dream big

Dream BIG with a First Credit Union personal loan. Our personal loans offer: Competitive interest rates Zero set up, application or establishment fees And Flexible weekly, fortnightly or monthly repayments

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