Personal Loans

Low rates. No hidden fees.

Personal loans starting from 9.95% p.a variable*

We love not being a bank, it means we can offer you low interest, personal loans with no application fees!

Get on top of debt, purchase a new car, or make your dream holiday a reality - we can tailor our personal loans to suit your budget.

Apply online with our simple personal loan application that takes about 15 minutes to complete. 

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

Before you borrow, make sure you check out the Responsible Borrowing Code.

IMPORTANT - You are protected by responsible lending laws. Because of these protections, the recommendations given to you about our personal loans are not regulated financial advice.

This means that duties and requirements imposed on people who give financial advice do not apply to these recommendations. This includes a duty to comply with a code of conduct and a requirement to be licensed.






Personal Loan Calculator

Work out what your repayments might be before you apply for a personal loan online.

Figures shown are indicative only and may differ from your application. Interest rates vary depending on the type of security that is offered.

Start your application now! 


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Check out the important stuff
  • 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
    Thrid party fee^ $29.90
    Total $10,029.20
    Total interest $2,135.70
    Total amount payable $12,164.90

    Over a 4 year term at 9.95% p.a variable rate, weekly repayments would be $58.50.

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

  • Important information

    *Normal lending criteria apply and T&Cs apply. 

    Normal floating rates range from 9.95% p.a. variable to a maximum of 18.00% p.a. variable

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

    No application fees and no early repayment penalties. 

    ^Third-party fees such as credit check, credit sense, motor check, PPSR, Docusign and cloudcheck of up to $29.20 per applicant may apply. View our rates and fees here.

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