United Credit Union (UCU) offers a wide range of financial services to members throughout New Zealand.  Our services include:

  • Home Loans and Mortgages.
  • Personal Loans - including car loans, loans for debt consolidation, holidays, home improvement activities, and assisting family members. Plus much more.
  • Personal Savings Accounts and Term Deposits.
  • AccessDebit MasterCards and AccessCards.

Services Provided to Members New Zealand Wide

Based in Wellington, we provide our financial services including personal loans and mortgages to members throughout New Zealand.  For UCU members situated outside Wellington, we simply undertake all your financial transactions by communicating with you by phone, fax, or email.  And you can join and take advantage of our great rates, by simply downloading and returning our Membership Application Form

To learn more about our great services and how we can help you with your personal loans and savings please  Contact Us 0800 800 143


Read our April 2014 Newsletter on "Personal Loans" online


Personal Loans

Talk to us about a personal loan. Includes loans for:

  • Cars and vehicles
  • Debt Consolidation
  • Holidays
  • Home improvements
  • Plus more...

Low fees. Great interest rates. No penalties for early repayment of your personal loan.

Find out more about personal loans


AccessDebit MasterCard© is the only card you'll need for in store, ATMs, online, over the phone & overseas. Apply for yours now.

Call us on 0800 800 143.

MasterCard and the MasterCard brand mark are registered trademarks of MasterCard International Incorporated.

AccessDebit MasterCard©



Car Loans/Vehicle Loans

  • Car finance at 8.5%
  • No deposit needed.
  • Borrow up to $25,000.

Pre Approvals Available. Pay cash and negotiate a cheaper rate.

Find out more Car Loans