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Register of non-bank deposit takers in New Zealand

This page lists all licensed non-bank deposit takers (NBDT) in New Zealand. This register has the date licensed and credit rating for each NBDT.  

Last updated: 17 November 2021


Name of licensed NBDT Date licensed Name of credit rating agency Rating and outlook
Christian Savings Limited (previously licensed as Christian Savings Incorporated) 01-09-2017 Fitch Ratings BB, Stable
Credit Union Auckland 03-02-2015 n/a Exempt*
FE Investments Limited (in receivership) 16-03-2015 n/a  Credit ratings have been withdrawn
Finance Direct Limited 13-02-2015 n/a  Exempt*
First Credit Union 05-03-2015  Fitch Ratings BB, Negative
Fisher & Paykel Credit Union 08-12-2014   n/a Exempt*
General Finance Limited 13-02-2015  Equifax BB-, Positive
Gold Band Finance Limited 29-04-2015 n/a Exempt*
Heretaunga Building Society 23-12-2014 n/a Exempt*
Liberty Financial Limited 17-04-2015 Standard & Poor’s BBB-, Stable
Mutual Credit Finance Limited 27-03-2015 n/a Exempt*
Nelson Building Society 23-03-2015 Fitch Ratings BB+, Stable
New Zealand Employees Credit Union 22-12-2014 n/a Exempt*
New Zealand Firefighters Credit Union 17-04-2015 n/a Exempt*
 Police and Families Credit Union  12-11-2014 Equifax BBB, Negative
 Steelsands Credit Union  05-11-2014 n/a Exempt*
 Unity Credit Union  19-12-2014  Fitch Ratings  BB, Negative
 Wairarapa Building Society  08-04-2015  Fitch Ratings  BB+, Negative
 Westforce Credit Union  24-12-2014  n/a Exempt*
 Xceda Finance Limited  11-03-2015 Equifax  B, Stable


* Not required to have a rating by virtue of the Deposit Takers (Credit Ratings Minimum Threshold) Exemption Notice 2016