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

In-page navigation

Credit Union Central homepage

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

About Credit Union Central

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

We're reliable, registered and do not operate for the purpose of profit - which means we do what we do for our members as all credit unions do.

Why you should join us

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

What Credit Union Central 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 your everyday and long term financial needs and goals.

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

Our financial services

We offer personal loans, vehicle finance, debt consolidation loans, home renovation loans, home loans, revolving lines of credit and overdraft facilities. We also offer car insurance, funeral plans, life insurance and home insurance among many other modern and affordable insurance products.

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

We're 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 us simply make your way to our website to find out more.

What's more, is that we do not charge you for early repayment and we allow you to top up your loan if necessary.

Visit us to find out more

With 9 branches scattered throughout the country we welcome customers to visit us to find out more about becoming a member of Credit Union Central, to find out more about our personal loans or insurance products or find out more about our rates and fees which are certainly amongst the lowest and most affordable in the country.

How is Credit Union Central better than the rest?

Everything we do is so that the customer can always benefit. This is the reason why we have the best credit deals that allow the client to save and even have better control over their bills. When we opened this operation, we wanted to be 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. We thought we would advise our clients so that they do things slightly differently and bring them to the attention of an entirely different mindset.

Can I set up an appointment with one of your agents at Credit Union Central?

We know that certain customers are hesitant with providing us with their personal details over the phone or online. If you want to make an appointment so that you can get better clarity on your credit union application or any other financial query you might have, please visit one of our branches. There is also no need to come to the one where you did your application to; you can visit any office that is convenient for you. We are ready and waiting to assist you.

Customer Reviews & Testimonials

April 2019

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

Gregory F
— Hikuai —

February 2019

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

Yonda U
— Hikurangi —

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