What are the lending rates and fees?

Unlike other banks and financial institutions, at NZCU Baywide our profits - outside of operating costs and reserves - are returned to our customers through the amazing interest rates we offer on our savings accounts, low interest rate personal loans and debt consolidation loans.

This is the reason we’re able to offer some of the lowest interest rates of any provider in New Zealand^. In fact, our secured personal loans start at a low 8.9% p.a.*, while our unsecured loans start at an equally amazing 11.9% p.a.*. Better still, there are no hidden fees or charges, so you can rest easy knowing exactly what - and how much - you’ll be paying, long before you fill out your application.

The benefits don’t end there. We also run a customer fee rebate program ranging from $2 all the way up to $50 per month, which rewards our customers with free transactions depending on just how much business you have with NZCU Baywide.

Learn more about NZCU Baywide’s rates, fees and rebate scheme.

^Source: as published on www.interest.co.nz as at 31 August 2017.


More frequently asked questions about our 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.