Borrow for what matters.
Whether you’re consolidating debt, upgrading your car, or covering an unexpected cost, a Unity personal loan can help you move forward.
Why choose Unity?
As a credit union, we're owned by our members, not shareholders. That means every decision we make is about helping people, not chasing profits.
Here’s why Kiwis choose Unity when looking for personal finance.
- Borrow from $2,000 up to $40,000 unsecured (or $60,000 secured)
- Competitive rates starting from 9.90% p.a.*
- Quick, 100% online application
- No early repayment or monthly account fees
- Flexible repayment options to suit your pay cycle
- Personalised service from a local, friendly lending team.
No surprises. Just clear terms.
| Loan amount - secured | $2,000 - $60,000 |
| Loan amounts - unsecured | $2,000 - $40,000 |
| Loan terms | 1 - 7 years |
| Interest type | Floating |
| Early repayment fee | $0 |
| Monthly account fee | $0 |
| Approval fee^ | $200 |
^Charged at disbursement of funds
How to apply for a personal loan
Applying for a personal loan is quick and straightforward, and we’ll guide you through the process from start to finish.
1. Apply online in minutes
Complete a simple online application. It only takes a few minutes, and you can do it anytime that suits you.
2. We complete our review
A real person assesses your application. We keep things straightforward and fair.
3. Get a clear decision
We’ll let you know the outcome as quickly as possible. If we need anything else, we'll be in touch.
Who can apply for a personal loan?
To be eligible for a Unity personal loan, you’ll need to meet the following criteria:
- Be 18 years or older
- Be a New Zealand citizen or hold a Permanent Resident Visa
- Be able to provide proof of identity e.g. a valid passport or driver licence
- Have a regular income
- Have a permanent or fixed address (this includes renters, boarders, and those living with family)
- Have a satisfactory credit report
