Unsecured

Affordable Unsecured Loans are available for any worthwhile purpose (subject to conditions).

All unsecured loan approvals will carry a condition that the member funds a Loan Provider Account (LPA) in their name.  For more information on LPA click here.

UCU has formed a relationship with the New Zealand Federation of Family Budgeting Services (NZFFBS).  This relationship is designed to enable our members to not only gain control of their finances but also to assist in managing short term debt.  Members who meet with a NZFFBS budget advisor to delevop a budget plan may in turn qualilfy for an unsecured loan that would have otherwise been declined because of poor credit history. 

•  Guarantor - in cases where the applicant does not qualify for an unsecured loan management may ask for a guarantor.

Click here for guarantor form.

Click here for budget planning.

Click here for a loan application form. 

Check our Rates & Fees page for the current loan terms and interest rates and have a look at our Loan Calculator to help you get an idea of the repayments.