Generously Backing Churches

Commercial Loans

Join over 200 churches and charities growing their ministries

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For Good Stewards

With commercial lending options available for terms up to 15 years, tailored to churches and Christian charities who may be purchasing new property, upgrading or extending existing buildings, or refinancing existing loans

Rates are available on request. Get in touch with our dedicated lending team to find out what option is best for your church or charity.

Growing healthy churches and charities

Growing Investments, Growing Churches

Christian Savings has been supporting churches with affordable loans for over 55 years. The funds we hold enable us to provide loans to churches and Christian charities, small and large.
How it works
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Become an investor with Christian Savings and watch your money grow through on-call, term, charitable or funeral deposit options.


Your investment helps Christian Savings to provide ethical and meaningful loans to churches and Christian charities.


Feel good about keeping profits in New Zealand, where your savings are supporting Christian organisations growing God’s Kingdom.


Grow your money and take charge of your future. Your deposits will earn interest at a competitive rate, benchmarked to New Zealand’s largest banks.

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How it works

Commercial Loans

Suitable for churches and Christian charities. We offer a variety of financing options tailored to suit the specific, individual needs of each Christian ministry; from financing new facilities or renovations, to maintenance or refinancing existing loans.
Great rates for churches

We offer interest rates benchmarked to the rates of New Zealand’s largest banks. We offer a range of fixed and floating terms for commercial and church properties.

We’re in it with you

We understand how churches work and are passionate about the greater cause of the local church. Our lending team will take the time to understand your needs and work to tailor our service to best achieve your goals and mission.

You’ll be in good company

Christian Savings has financed churches and charities across many Christian denominations throughout New Zealand. We currently manage over $170 million in loans.

"Throughout the 18-month process, Christian Savings has been such a key partner in the search, providing creative solutions to help get up into a building that perfectly fits CAP and works within our budget."
Aaron Minnee
Christians Against Poverty

Keeping your best interests at heart

Looking for something else? Learn more about our other borrowing options, or talk with one of our lending team.

Residential Loans

For organisations looking to build, purchase or renovate houses, manses, vicarages or social housing. Learn more about our competitive variable and fixed interest rate options for residential loans.

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Equipment Loans

Suitable for funding items such as sound, lighting and musical equipment, chairs, computers and more between $3,000 and $50,000. For churches and Christian charities unable to provide a mortgage as security, an equipment finance loan can be an alternative solution.

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Outline graphic depicting hand nurturing a heart

Build healthy churches with us.


church and charity projects financed in Aotearoa, New Zealand


partners and investors, including individuals, families, churches and organisations


years of experience, partnering with churches since 1962
For Good Stewards

How to borrow.

Partner with Christian Savings and grow your ministry further. Find out what option is best for your church or charity.