Car loans & vehicle finance from 8.9% p.a.*

Do you need vehicle finance for purchasing or upgrading a car?

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.

Don't wait

Apply now

Select the flexible car loan rate that suits you

secured vehicle loans from
8.9% p.a.*

minimum $2,000

affordability and credit score criteria apply

unsecured vehicle loans from
10.9% p.a.*

minimum $2,000

affordability and credit score criteria apply

More information on financing your vehicle

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*

8.90 - 24.90% p.a.

    approval fee  

$250

 

Personal finance rates

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

8.90%

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.

 

View our interest rates and fees here

 

For information on our loan agreements and terms and conditions click here.

 

Ready to see what you can borrow?

Use our lending calculator and apply online for finance today. Contact us for more information or to speak with our team.

 

FAQ

 

Have any questions?

You may find the answer on one of the pages below:

If you have not found your answer, please feel free to contact us.

 

Helpful finance guides

 

Finance a car and avoid a lemon

9 Tips for avoiding a lemon when financing a used car

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.

Read more...

 

10-Point car finance checklist

The ultimate 10-point checklist for buying your next car

Whether you're buying your first car or upgrading to accommodate a growing family, there's a few common things you should consider before signing on the dotted line. Click through to find out what those are and make financing your next car a stress-free experience.

Read more...

 

Car loan guide

3 Go-to tips for financing your next vehicle

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! 

Read more...

 

 

Blogs & Guides

 

Looking for more info? Check out these other great guides