Go big this Christmas

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Borrow $2k from just $24* per week.

Christmas loans secured from

8.9% p.a.*

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Borrow $2k this holiday season from $24* per week

Christmas can be a very busy time of the year for New Zealanders! We have holidays to plan, presents to purchase and distant relatives we have to remember to send cards to... Yes Christmas can get the better of us if we aren't careful, especially when it comes to our finances!

If you feel like you need an extra cash boost this holiday season, then a NZCU Baywide Christmas loan might be the right tool for you. Borrowing $2k now could see you only having to make payments of $24* per week for the term of the loan! Having your finances sorted before the hustle and bustle of the holiday season begins, could help take the stress out of Christmas and make these holidays all the merrier. 


*This example is calculated on a loan with full repayments made over a 2 year period at an interest rate of 8.9% p.a. Total repayments over the term of the loan would be $2,497.95 (indicative only). Weekly repayments are indicative only. Variable interest rate. Terms and conditions and normal lending criteria apply. A $250 approval fee and other fees 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 and information


 personal loan value

$2K - $50K

 personal loan term

6 mths - 7 years

personal loan APR

8.90 - 28.90% p.a.

    approval fee  



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


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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.


For more information on how a personal loan from NZCU Baywide can help you achieve your financial goals click here.