Secured personal loans from 9.9% p.a.*

Do you need some extra cash for a new car, a family vacation or home improvements? If you have assets to be used as security, we could offer you low interest rates with our secured personal loan. 



Don’t wait

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Secured personal loan from



Affordability and credit score criteria apply 

• Completely online

• Fast and easy application

• Minimum $2,000


What is a secured loan?

A secured loan is where you (the borrower) use an existing asset be it a car, property or item of fiscal value to act as a security deposit on your personal finance. Offering an asset to act as security on your loan will enable you to borrow larger amounts of money and gives you access to a better, lower interest rate than if your loan was unsecure. However, in the event that a borrower is unable to repay their loan, the asset could be repossessed in order to cover the costs of the loan.

A Credit Union Baywide secured loan is typically secured by a vehicle. A secured loan allows us to offer you a secure personal loan of greater value than the security you provide. The amount we are prepared to lend you will vary on your affordability and credit score. Additional terms and conditions may apply.

Fill out our online loan application form today to see what we can do for you. At Credit Union Baywide we don’t just focus on how the numbers look on paper, we listen to your story and help you save.

If you have any additional questions or want to talk with a member of our team, call us on 0800 229 943 or email us today.


Helpful Guides and Information


Applying for secured finance? Our guides will help you through the process.


Secured or unsecured personal loan - what’s the difference?

Loans are a great way to finance the next step in your financial life, but not all loans are created equal. Secured loans and unsecured loans, for example, are two very different loans that are specifically tailored to the financial needs of Kiwis like you!

Unlike unsecured loans, secured loans give you access to higher loan amounts as well as a lower interest rate, by ‘securing’ the loan with an asset such as a car or boat. This security gives lenders further peace of mind, and more confidence in who they’re lending to. There’s more to secured and unsecured loans than this, so keep reading to find out more.

Read More…


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