Personal loans from 9.9% p.a.*

Borrow $10k from $39 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 $14,281.32 (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

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Select the flexible personal loan rate that suits you

secured finance from
9.9% p.a.*

minimum $2,000

affordability and credit score criteria apply

unsecured finance from
11.9% p.a.*

minimum $2,000

affordability and credit score criteria apply


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 Yellow Green Blue
Interest rate %p.a. 9.90% 13.90% 17.90% 21.90%


Unsecured personal lending rates

Risk grade Orange Yellow Green Blue
Interest rate %p.a. 11.90% 15.90% 19.90% 23.90%


Note: These are indicative rates only and may be subject to change without notice.


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 to 60 months
  • No early repayment fees - you have the option to make lump sum repayments and pay your loan off faster
  • 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. 


Ready to see what you can borrow?

Use our lending calculator above and apply online for finance today. Contact us for more information or to speak with our team.




Have questions about our personal loans?

You may find the answer on one of the pages below:

If you have not found your answer, please feel free to contact us.


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.

Whether you choose to pay off some of your debts and boost your savings, invest in your future with a term investment, step outside your door and explore the world, or simply renovate your kitchen; here are just a few of the ways you could use your finance.



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.



Helpful finance guides


What should I know before applying to a lender?

You’ve shopped around, read more than a few how-to guides, and now you’re ready to send in your loan application. Congratulations! Before you do, though, we think there are a few more things you should consider that may well save you time and money. Keep reading to learn more about the things you probably didn’t know about personal loans, whether it's for renovations, a holiday, or studies.

Read more..


Secured or Unsecured Personal Loans?

Unsecured or secured personal finance - what’s the difference?

At NZCU Baywide we specialise in both secured finance and unsecured finance. Typically, secured lending is obtained by using collateral as a form of security - such as a vehicle or boat - which can grant you a larger credit amount and a smaller interest rate. While unsecured lending, on the other hand, is obtained without the use of collateral or security, resulting in a higher rate and a smaller cash amount.

Read More..

Comparing Personal Loans Providers

What do I need to consider when comparing personal loan providers?

There are more New Zealand providers competing for your attention than ever before. But beware: not all providers are created equal. Interest rates, fees and charges all vary wildly from one provider to the next. So how do you know which provider is best for you? Read on as we share the 5 things you should consider to help you make an informed financial decision.

Read More..


Applying for a personal loan? Our guides will help you through the process.


9 questions every Kiwi should ask before they apply for finance

Are you considering a loan? Chances are you’ve asked more than your fair share of questions during the process, but have you been asking the right ones? For example, can you keep up with the repayments? How much interest will you pay? What will you spend it on?

The answers to these questions and others could determine the success or failure of your loan, so before you submit your application, keep reading for a full list of the questions you should be asking.

Read More…

3 top tips for getting a low rate on your next borrowing

Applying for a loan in New Zealand is easy as, but finding one that combines the best terms, conditions, fees, and interest rates can be that much more difficult. So how do you land a deal that boasts a great rate? Keep reading to learn how and save yourself hundreds if not thousands in the process.


5 mistakes New Zealanders should avoid when taking out personal loans

Mistakes are a part of everyday life, teaching you how to learn, grow, and improve, however a financial mistake can make for quite the costly lesson! Keep reading to save yourself the money and the hassle and learn how to avoid making the same mistakes many Kiwis make when applying for a loan.



Blogs & Guides


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