This example is calculated on a loan with full repayment made over a 3 year period at an interest rate of [interest-rate]% p.a. Total repayments over the term of the loan would be [total-repayments] (indicative only). Weekly repayments are indicative only. Normal lending criteria and conditions apply. An approval fee of $200 plus other third party service charges may apply. This calculation is intended as a guide only and is not an offer of finance from NZCU Baywide. All interest rates and fees quoted are subject to change. View a full list of rates and fees.