Make your house your home

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Borrow $10k from just $38* per week.

Home renovation loans secured from

8.9% p.a.*

Apply now

Transform your house into a home this year from just $38* per week!

Rolling up your sleeves and pulling out the hammer is a sure fire way to add value to your property. But a home renovation isn't always an easy task to manage on your own. With contractors, supplies, designers and dates to manage, a home renovation can get pretty stressful while trying to juggle the lot. 

Let us take some of the stress out of your workload by keeping your covered financially. A home renovation loan is a great way to set yourself a budget and to ensure you are able to keep your costs consistent, meaning you can carry on with your busy life! With home renovations loans starting from 8.9% p.a.* you will be able to get the backing you need at a competitive rate!

 

 *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 $13,842.12 (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. View our full list of rates and fees here.


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  

$250

 

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

Grade

Interest rate p.a.*

Interest rate p.a.*

Orange A

8.90%

10.90%

Orange B

11.90%

12.90%

Yellow A

13.90%

14.90%

Yellow B

15.90%

16.90%

Green A

17.90%

18.90%

Green B

19.90%

20.90%

Blue A

21.90%

22.90%

Blue B

23.90%

24.90%

 

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.