Personal loans with ANZ, Finance Now, Heartland Bank and buy now pay later with Layby, Oxypay and Afterpay as well as a credit card with GEM.
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Find out more about debt consolidation here.
~Names changed for privacy reasons. The persons shown in the image above are stock photography models and are not members of Credit Union Baywide.
This example is calculated on a secured loan with full repayments made over a 7 year period at an interest rate of 14.90% p.a. Total repayments over the term of the loan would be $80,905.96 (indicative only). This calculation is intended as an example only and is not an offer from NZCU Baywide.
^Variable interest rate. Terms and conditions and normal lending criteria apply. An approval fee of $250 and other fees apply. All interest rates and fees quoted are subject to change without notice. View our full list of rates and fees here.
Rates and loan information
$2K - $50K
6 mths - 7 years
9.90 - 28.90% p.a.
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. Read more about our loans here.
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View our interest rates and fees here
For information on our loan agreements and terms and conditions click here.
When applying for a credit loan it's important to consider all of the costs involved.
Below is an example of the total costs included over the term of a secured vehicle loan:
$15,000 personal borrowing
+ $250 approval fee
+ $36.51 third party charges (credit check, vehicle check and registering security over vehicle)
Set up over a term of 3 years (157 weeks) at 9.9% p.a. interest = weekly repayments of $112.74.