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The Co-operative bank - Tailormade loans

We offer a wide range of interest rates founded on your credit eligibility, the amount and term of the loan you are applying for. Floating interest rates will be adjusted as the rates fluctuate over a period of time.

No-fee early repayment

Absolutely you can repay your Co-operative Bank personal loan sooner without stressing about early repayment costs, or that you’ll be penalized for settling your loan too soon.

Quick online application

All you need is 15 minutes to complete your online loan application, stipulating the amount you would like to borrow and all your personal details. Approval is quick; however, some applications may need additional checking.

Special discounts

If you are a current customer and bank with The Co-operative Bank, you can enjoy the reduced interest rate. If your main income is paid into your everyday bank account with us, there are larger discounts available, but there are lesser discounts available should you hold two or more of a select group of insurance policies with The Co-operative Bank.

Flexible repayment period

You are permitted to make repayment on your personal loan across a period of 6 months to 60 months.

The Co-operative Bank also offers the standard personal banking products, including:

Home loans

If you’re looking for a pre-approved home loan try us, which could also include floating rate home loans offering low rates as well as home loans that offer a fixed rate for up to five years. Co-operative invites investors, builders, and buyer to apply.

Current accounts

Co-operative offers a variety of bank accounts that include; everyday accounts, debit card accounts as well as savings accounts and youth accounts that are aimed at young people. We also offer accounts for small businesses and tertiary students.

Credit cards

Apply for our single credit card which offers a fixed low rate for the duration of the card, and a balance transfer which offers a rate that is even lower.

Savings and investment accounts

With all we have to offer you’re to find a suitable product with The Co-operative Bank; apply for a KiwiSaver account or a term deposit or even a standard savings account.

Your eligibility requirements

You need to be 18 years or older, you may only apply if you are a New Zealand citizen or a permanent resident. A good credit record gives you a better chance of obtaining a consolidation loan. In order for the bank to assess your ability to make repayments, it will be essential for you to provide a full income statement which should also include your main source of income.

Required documents

Your identity document, although your driver’s license, a passport is also accepted as proof of your identification.