Borrow $20k from $75* per week

Secured from 9.9% p.a.

Shake on a great rate!

Are you dreaming of an overseas adventure?
Do you want to own the car you keep test driving?
Have you been paying up to 25.99% on your credit or store cards?
If you answered yes to any of these questions then it’s time to chat with us.
Let’s shake on a great rate just for you! 


*This example is calculated on a loan with full repayments made over a 7 year period at an interest rate of 9.9% p.a. Total repayments over the term of the loan would be $27,299.94 (indicative only). Weekly repayments are indicative only. Variable interest rate. Terms and conditions and normal lending criteria apply. An approval fee of $250 plus other third party service fees may apply. This calculation is intended as a guide only and is not an offer from NZCU Baywide. All interest rates and fees quoted are subject to change. 


Rates & loan information


 personal loan value

$2K - $60K

 personal loan term

6 mths - 7 years

personal loan APR

9.90 - 24.90% p.a.

    approval fee  



At NZCU Baywide, we don’t just focus on credit scores or how the numbers look on paper. We listen to your story and work with you to find the best personal finance option available for your situation. We offer competitive rates for both, secured and unsecured finance. 


Personal finance 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


Interest rate p.a.*

Interest rate p.a.*

Orange A



Orange B



Yellow A



Yellow B



Green A



Green B



Blue A



Blue B




Note: These interest rates are indicative only and may be subject to change without notice.

View our interest rates and fees here


For information on our loan agreements and terms and conditions click here.


Ready to see what you can borrow?

Use our lending calculator and apply online for finance today. Contact us for more information or to speak with our team.