The Co-operative Bank

About The Co-operative Bank

As a bank that has been in the business for many years, we have the expertise, the infrastructure and the speed to get your loan approved quickly and effortlessly - and you don’t even have to leave your home to do it.

Apply for a loan online using our simple application form and get assistance from our dedicated staff members whenever you need it.

We Understand where you're Coming From

With prices increasing at an uncountable rate - New Zealanders are finding it harder and harder to afford repair to their homes, electronics, furniture and even day-to-day living expenses. At The Co-operative Bank our goal is to allow people to have that financial freedom they had just a few years ago and offer some of the most competitive online personal loans.

What The Co-operative Bank can offer you

If you're tired of working with lenders who simply don’t understand you then it's time to switch to a lender that does - switch to the Co-operative Bank.

We make an effort to build a long term relationship with clients where we get to know you and understand your needs on an individual basis.

Our Debt Consolidation Loans

We offer loans from $3,000 to $30,000 and offer some of the most competitive rates on the market from as low as 14.505 per annum. If you're looking to become financially free and get out of debt without having to work too hard to do it our debt consolidation loans will do the job!

In a Nutshell

  •  Loan minimum $3,000
  •  Loan maximum $30,000
  •  Interest rate From 14.50% to 19.50% per annum
  •  Loan term minimum 12 months
  •  Loan term maximum 5 years
  •  Average processing time 2 hours
  •  Online application
  •  In-store application
  •  Secured loan option
  •  Early repayment

How to Apply at the Co-operative Bank

As most lenders we do have certain minimum requirements and we do require our applicants to provide us with documents to support their application but, we do away with red tape and make things simple!

Our Versatile Personal Loans

Whether you're looking for a loan for consolidation or to upgrade you home furniture - the most convenient and affordable way to get it is by using a personal loan. Our loans meet a variety of different needs from the most mundane to the most serious - it's all processed as a top-priority.

Adjusting your Loan to Meet your Needs

Although our affordability checks are quick they are very accurate and will immediately give us an idea of how much we can lend you. Although you are free to select our own fast loan amount and term we may adjust this to better suit your income and budget.

Eligibility & Requirements

  •  Stable address history
  •  18 years or older
  •  NZ resident
  •  Employed full-time
  •  Self-employed
  •  Earning a stable income
  •  Credit check
  •  Good credit history
  •  Recent pay slips
  •  Bank statements

Other Products & Services

  • Home Loans
  • Personal Loans
  • Debt Consolidation 
  • Vehicle Loans
  • Overdrafts

Contact Details

 Visit Website Apply Directly


 Physical Address

  • Corner of Vine and Bank Sts, Whangarei, Northland, 0110, New Zealand

Opening Hours

  •  Monday 09:00 – 17:00
  •  Tuesday 09:30 – 17:00
  •  Wednesday 09:00 – 17:00
  •  Thursday 09:00 – 17:00
  •  Friday 09:00 – 17:00
  •  Saturday Closed –
  •  Sunday Closed –