Borrow $20k from $75* per week

Secured from 8.9% 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 8.9% 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*

8.90 - 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. Use the lending calculator above to find out how much you could borrow and how much you could save by borrowing from NZCU Baywide.


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 and individual's financial information provided 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 are indicative rates 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.



What can I use my personal loan for?


The short answer? Absolutely anything! At NZCU Baywide we don’t decide what you do with your money. Instead, we simply facilitate the lending process, so that as soon as the money hits your account you’re free to live your best financial life.



Debt Consolidation Loans - Get it sorted

Debt consolidation loans

Are your debts are weighing you down? Debt consolidation can help you break free from the dreaded debt cycle and start your journey on the path to a better financial life. So whether it’s credit cards, hire purchases or overdue utility bills, a debt consolidation loan can bring all of your debts together into one easy-to-manage monthly repayment with a lower interest rate that can save you time and money.

Borrow money for a car or vehicle

Car & vehicle financing

Whether you’re picking up a shiny new set of wheels, or financing a used vehicle, we can make the purchasing process easy and ensure you’re behind the wheel sooner rather than later with our pre-approved car loan. Pre-approved vehicle finance will give you the confidence, power and knowledge that you have the finance ready and waiting when the perfect set of wheels comes along.



Travel and holiday loans

Holiday & travel loans

Are you holding off on the holiday of your dreams? Need a little extra spending money to make it a trip to truly remember? With a holiday loan from NZCU Baywide, you can finally turn those dreams into reality, and return with the Instagram selfies and holiday snaps to prove it. Just be sure to send us a postcard while you’re out there.

Loans for home renovations

Home renovation loans

Home improvements are one of the easiest, most effective ways to add value to your property. But even if the idea of selling the family home is foreign to you, they’re still a great way to transform the way you live. A long-awaited extra room, perhaps? Or maybe the kitchen of your dreams? It’s all possible with a loan for home renovations.