Whatever your goal, borrowing from NZCU Baywide could be just what you need to finance your next step in life.
* 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 $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. The minimum personal loan borrowing amount is $2,000 and the maximum personal loan borrowing amount is $60,000. 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.
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. Read more about our loans here.
|Grade||Interest rate p.a.*||Interest rate p.a.*|
*Note: These interest rates p.a. 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.
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 8.9% p.a. interest = weekly repayments of $113.35.
Use our lending calculator and apply online for finance today. Contact us for more information or to speak with our team.
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 it 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.
Whether you’re picking up a shiny new set of wheels or a used vehicle, we can make the purchasing process easy and ensure you’re behind the wheel sooner rather than later. Our pre-approved vehicle finance gives you the confidence, power and knowledge that you have the money ready and waiting when the perfect set of wheels comes along.
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.
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 NZCU Baywide.
Debts weighing you down? Debt consolidation can help you break out of the dreaded debt cycle and start your journey to a better financial life. So whether it’s credit cards, hire purchases or overdue utility bills, consolidation 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.
Helpful finance guides
We specialise in both secured and unsecured finance. Secured is typically obtained by using collateral - such as a vehicle - as a form of security, while unsecured is granted without the use of collateral or security. Click through to find out how each type affects your interest rate and total limit.
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