Rating based on 41 reviews

Credit Union Central


  • Low-interest starting from 8.90%
  • Credit union loans up to $50,000
  • Repayment up to 7 years

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Credit Union Central homepage

Author Credit Union Central. Screenshot of Credit Union Central website. [Accessed May 23, 2018]

About Credit Union Central

Access a more affordable way to borrow.

Credit Union Central offers kiwis a healthy alternative to traditional banks and a range of low-rate personal loans and insurance solutions.

They are reliable, registered, and do not operate for the purpose of profit - which means they do what they do for their members as all credit unions do.

Why you should join Credit Union Central

As a credit union that is not for profit - their concerns lie with you, the customer, and that's why they are able to offer low rates on all of their financial services and products. From car loans to life insurance policies you can access products designed to help you move forward.

The most trusted way to borrow in New Zealand

You can be sure that you will get only the best rates with the fact that they are 100% New Zealand operated and owned, they retain member's funds in New Zealand, and the funds are not used for offshore investments.

By being a credit union and not a registered bank they can provide a more comprehensive range of financial products to the benefit of all New Zealanders. Thus allowing a more trusted alternative to manage your money better.


What Credit Union Central can offer you

They offer personal loans, vehicle finance, debt consolidation loans, home renovation loans, home loans, revolving lines of credit, and overdraft facilities.

They also have on offer car insurance, funeral plans, life insurance, and home loans among many other modern and affordable insurance products.

A reliable and registered lender 

They are a credit union that offers car loans and insurance to Kiwis who are looking for simpler, better, and more affordable finance. If you'd like to apply with them, simply make your way to their website to find out more.

What's more, is that they do not charge clients a fee for early repayment and they allow clients to top up their loans if necessary.

What Credit Union Central services can offer you

From funeral plans to debit cards and car loans, Credit Union Central offers members a range of highly competitive financial and insurance products to meet their everyday and long-term financial needs and goals.

With Credit Union Central you can have everything a normal bank offers but, at much better rates and with more affordable lower fees.

Credit Union Central Product Details

  • Loan Type Credit union loans
  • Interest Rate 8.90 – 28.90% p/a
  • Loan Amount up to $50,000
  • Repayment 6 months to 7 years
  • Initiation Fee $250

We're reliable, registered and do not operate for the purpose of profit

With 9 branches scattered throughout the country, they welcome customers to visit them in branch to find out more about becoming a member of Credit Union Central.

Apply online or on their app on your phone

  1. You can apply or get the needed information from the comfort of your home car or office by simply using one of their online platforms. They are always available should you need more information or when you need help making an application.
  2. They will assess and approve your credit in the shortest time possible.
  3. You’ll then need to sign a loan agreement for them to transfer the funds to you.

Credit Union Central is better than the rest

Everything they do is so that the customer can always find the best benefit. This is the reason why they have the best credit deals that allow the client to save more and even have better control over their bills.

When they opened this operation, they wanted to become a game-changer when it came to putting customers first. There is a big trend that tends to happen when clients have to manage their finances.

They strive to advise their clients so that they do things slightly differently and bring them to the attention of an entirely different financial mindset.

Set up an appointment with one of our agents

They know that certain customers are hesitant with providing them with their personal details over the phone or online. So, if you want to make an appointment so that you can get better clarity on your application or any other financial query you might have, you can visit one of their branches.

There is also no need to go to the one where you did your application, you can visit any office that is convenient for you.

Benefits of joining Credit Union Central

  • Only the best customer service.
  • Low-interest rates and low fees.
  • Financial advice to help you go further with your money.

Customer Reviews & Testimonials

April 2020

Thanks to Credit Union Central, my budget is now corresponding with my monthly expenses.

Gregory F
— Hikuai —

February 2020

The interest rates at Credit Union Central are affordable and actually practical.

Yonda U
— Hikurangi —

October 2021

It is a nice way to obtain a loan from fellow Kiwis, with easy repayable payments that I can manage with comfort.

Harris J
— Rotorua —

August 2021

You cannot ask for a more affordable loan than a loan from Credit Union Central, with a very friendly and helpful staff.

Tangira M
— Kawerau —

November 2021

My first time applying for a loan and they were able to inform and help me to choose the right way to get access to the needed money.

King D
— Gisborne —

Credit Union Central Contact Details

Contact Number



Physical Address

Opening Hours

  • Monday 09:00 – 16:30
  • Tuesday 09:00 – 16:30
  • Wednesday 09:00 – 16:30
  • Thursday 09:00 – 16:30
  • Friday 09:00 – 16:30
  • Saturday – Closed
  • Sunday – Closed