First Credit Union Loans

Borrow for less with a loan from First Credit Union.

Our loans have competitive interest rates, easy repayment options and no application fees - which could save you hundreds.

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

Click here to see a quick video about our online loan application process.

Please note: There has been an update to legislation which changes how we can lend you money. For more information about these changes, click here.

Types of Loans

Personal Loans

Our low-interest rate personal loans NZ offer competitive low-interest rates, flexible repayment options, and NO application or establishment fees. Apply today!

Debt Consolidation

Our debt consolidation loans nz offer competitive interest rates, flexible repayment options, and NO application or establishment fees - that could save you hundreds. Apply today!

Car Loans

Apply for a car loan! Get approval before you buy with a secured Car Loan starting from 10.95% p.a variable. We also charge no application or establishment fees! Apply now!

Home Loans

Our home loans offer great interest rates, no application fees, flexible repayment terms, and we are happy to consider home loan applications with a smaller deposit. Apply now!

Important Information

*Normal lending criteria apply and T&Cs apply. 

Normal floating rates range from 10.95% p.a. variable to a maximum of 18.00% p.a. variable

Minimum loan term 3 months. Maximum loan term 7 years.

No application fee and no early repayment penalties. 

^Third-party fees such as credit check, credit sense, motor check, PPSR, Docusign and cloudcheck of up to $29.90 per applicant may apply. View our rates and fees here.


Example of the total cost of a loan

When getting a loan it is important to consider the costs involved.

Here is an example of the total cost of a secured car loan:**

Borrowing $10,000
Application fee $0
Third party fee^ $29.90
Total $10,029.90
Total interest $2,393.94
Total amount payable $12,423.84

Over a 4 year term at 10.95% p.a variable rate, weekly repayments would be $59.73.

**Figures are an indication only and does not include loan protection insurance.

^Third party fees of up to $29.90 for Credit Check, Credit Sense, Motor Check, PPSR, Docusign and Cloudcheck per applicant may apply.


First Credit Union's head office is at: 111 Collingwood Street, Hamilton, New Zealand