Try our personal loan calculator

Personal loans from 8.9% p.a.*


Borrow $10k from $38 per week*

Whatever your goal, borrowing from NZCU Baywide could be just what you need to finance your next step in life. Read more about our loans.

*This example is calculated on a loan with full repayments made over a 7 year period at an interest rate of 9.9% 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


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 personal lending rates

Risk grade   Orange - A Orange - B Yellow - A Yellow - B Green - A  Green - B  Blue - A    Blue - B  
Interest rate %p.a. 9.90% 11.90% 13.90% 15.90% 17.90% 19.90% 21.90% 23.90%


Unsecured personal lending rates

Risk grade Orange - B  Orange - A Yellow - A Yellow - B  Green - A   Green -B   Blue - A    Blue - B  
Interest rate %p.a. 10.90% 12.90% 14.90% 16.90% 18.90% 20.90% 22.90% 24.90%


*Note: These are indicative rates only and may be subject to change without notice.
As published on as at 6 January 2020.


For information on our loan agreements and terms and conditions click here.


More information on our loans

  • We have flexible borrowing terms available from 6 mths - 7 years
  • The minimum personal loan borrowing amount is $2,000 and the maximum personal loan borrowing amount is $60,000.
  • No early repayment fees - you have the option to make lump sum repayments and pay your loan off faster
  • The minimum personal loan Annual Percentage Rate (APR) is 9.90% p.a.
  • The maximum personal loan Annual Percentage Rate (APR) is 24.90% p.a.
  • View our interest rates and fees 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 (156 weeks) at 9.9% p.a. interest = weekly repayments of $113.35