What information do I need to apply?

When you apply for a personal loan with NZCU Baywide, we need to ask a few simple questions about your financial situation, such as income and expenses, and some personal details such as your name and residential address.

This information informs us of your eligibility for a loan, and helps us make an informed decision on how much you can apply for and the rate of interest your loan will be charged at.

This information includes:

Personal information

Personal information such as your name, a photograph and date of birth help us to confirm that you’re you!

  • Full name
  • Residential address
  • Date of birth
  • Driver licence details
  • Any next of kin, family members or friends

Demographic information

  • Your current marital status and / or any dependents
  • Your residential status
  • Current and previous employment details

Financial & employment information

If your salary or wages are already deposited into your NZCU Baywide account, then you may not need to supply any additional documentation as we’ll be able to verify your income from your account information. However, you may need to supply statements for other bank accounts or debts that you have.

If you’re not already an NZCU Baywide customer, or have your wages paid into a different account, then we’ll need to see proof of your income and financial information, such as:

  • Proof of your income, including current payslips that details your annual income or your last three consecutive payslips.
  • Other existing loans, debts, expenses, assets or liabilities, which will help us assess your application and current financial situation.

 


More frequently asked questions about personal loans