Talk to NZCU Baywide before you start your search and shop with cash.
*Terms and conditions and normal lending criteria apply. An approval fee of $250 plus other third party service fees may apply. All interest rates and fees quoted are subject to change. View our full list of rates and fees here.
minimum $2,000
affordability and credit score criteria apply
minimum $2,000
affordability and credit score criteria apply
Are you looking for a leading financial provider to give you a good deal on your next car? Well look no further! For a great deal on car loans and vehicle financing, talk to our team today. Whether you are looking to upgrade from your existing car or buy a new one, NZCU Baywide are here to help.
With highly competitive interest rates and both secured and unsecured options available, it’s little wonder so many people choose us as their preferred lender. NZCU Baywide currently offer one of the lowest unsecured car loan rates available in New Zealand at 10.9%p.a.*
For more information on how our team can help you finance your next vehicle, fill out our online application or contact our team today.
At NZCU Baywide we don’t just focus on how the numbers look on paper, we listen to your story to help you save. Contact our friendly team today to discuss your options.
Rates and loan information
|
personal loan value $2K - $60K |
personal loan term 6 mths - 7 years |
personal loan APR* 9.90 - 24.90% p.a. |
approval fee $250 |
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 loan |
Unsecured loan |
|
Grade |
Interest rate p.a.* |
Interest rate p.a.* |
|
Orange A |
9.90% |
10.90% |
|
Orange B |
11.90% |
12.90% |
|
Yellow A |
13.90% |
14.90% |
|
Yellow B |
15.90% |
16.90% |
|
Green A |
17.90% |
18.90% |
|
Green B |
19.90% |
20.90% |
|
Blue A |
21.90% |
22.90% |
|
Blue B |
23.90% |
24.90% |
*Note: These interest rates p.a. are indicative only and may be subject to change without notice.
As published on interest.co.nz as at 6 January 2020.
Use our lending calculator and apply online for finance today. Contact us for more information or to speak with our team.
FAQ
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If you have not found your answer, please feel free to contact us.
Helpful finance guides
Buying used is a financially savvy decision we can get behind, but how can you be sure you're not buying a car that will break down as soon as you get behind the wheel? Click through for our top tips that'll have you feeling more confident out on the used car lot.
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Are you struggling with a list of questions a mile long? Don't stress! Keep reading for our top tips that will help you answer the all-important questions of how, when, and where you finance your next vehicle. It's that simple!
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