Flexible personal loans secured from 9.90% p.a.*

Get the money you need for the things you want with a Unity personal loan. 100% online application.

Apply now

Flexible personal loans secured from 9.90% p.a.*

Get the money you need for the things you want with a Unity personal loan. 100% online application.

Apply now

Turn your plans into reality.

At Unity, we understand that life isn’t always predictable, which is why our personal loans are built to be flexible. Whether you’re tidying up debts, buying a car, or planning something special, we’re here to help you borrow responsibly.

Apply in minutes

Take the first step towards your goal today. You’ll have an answer fast, so you can move ahead with confidence.

Apply today

                                                         

Two friends enjoying lunch at a cafe.

What makes Unity different?

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 seeking 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
  • Flexible repayment options to suit your budget
  • Personalised service from a local, friendly lending team
Apply now

secured loans from
9.90%p.a.*

*Maximum loan amount $60,000. Affordability and credit score criteria apply.

Apply now

unsecured loans from
12.90%p.a.* 

*Maximum loan amount $40,000. Affordability and credit score criteria apply.

Apply now

What can I use a personal loan for?

The short answer? Absolutely anything! You could use a personal loan to consolidate your debts, purchase a new car, book a well deserved holiday, or renovate your home. The choice is yours. 

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Debt consolidation

Save time and money. Combine your debts into one monthly payment with a debt consolidation loan.

Simplify your repayments >

Young guy smiling while leaning over his new car

Car & vehicle

Whether you're buying new or used, our pre-approved vehicle finance helps get you on the road in record time. 

Get pre-approved and hit the road >

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Holiday & travel

Explore the world or your own backyard with our travel loans. Just don't forget to send us a postcard!

Book that trip sooner >

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Home renovation

Adding value? Or adding more room for the whānau? It's all possible with our home renovation loans.     

Start your reno plans today >               

Personal loan interest rates

Our interest rates are priced using a risk matrix that takes into consideration a range of factors including an individual's credit score and affordability. Based on the assessment of an individual's financial information we will assign a risk grade and the corresponding interest rate could apply. 

 

Secured loan

Unsecured loan
GradeInterest rate p.a.^Interest rate p.a.^
Green A 9.90% 12.90%
Green B 11.90% 14.90%
Blue A 13.90% 16.90%
Blue B 15.90% 18.90%
Yellow A 17.90% 20.90%
Yellow B 19.90% 22.90%
Orange A 21.90% 24.90%

^Note: These interest rates are indicative only and may be subject to change without notice.
As published on interest.co.nz as at 31 January 2024.

View our interest rates and fees. Find information on our loan agreements and terms and conditions.

                         

When applying for a loan it's important to consider all of the costs involved. Below is an example of the total costs included over the term of a secured vehicle loan:

Personal borrowing

$20,000
+

Application fee

$200
+

Third-party charges

$29.44
=

Total borrowed

$20,229.44

Set up over a term of 7 years (366 weeks) at 9.90% p.a. interest = weekly repayments of $77.26

This example is calculated using a secured rate of 9.90% p.a. over a 7 year term. Total cost of borrowing over loan term would be $28,122.22 (indicative only). This example is not an offer from Unity.  How much you can borrow and repayments depend on your personal circumstances.  Secured floating interest rates from 9.90% - 21.90% T&Cs apply. $200 application fee + other fees apply. View a full list of rates and fees.

Personal loan FAQ

Still thinking about a personal loan?

Here’s a quick guide to the questions we get asked most, so you know exactly what to expect.

Didn’t find what you were looking for? Give us a call on 0800 229 943 or pop into your local Unity branch. We’re happy to help.

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Looking for more info?

Check out the guides below: