Car loans & vehicle finance from 7.9% p.a.*

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

Talk to Credit Union Baywide before you start your search and shop with cash.

Don't wait

Apply now

Select the flexible car loan rate that suits you

secured vehicle loans from
7.9% p.a.*

minimum $2,000 - maximum $60,000

affordability and credit score criteria apply

unsecured vehicle loans from
8.9% p.a.*

minimum $2,000 - maximum $60,000

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, Credit Union 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. Credit Union Baywide currently offer one of the lowest unsecured car loan rates available in New Zealand at 8.9%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 Credit Union 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


loan value

$2K - $60K

loan term

6 mths - 7 years

interest rates

7.9% - 25.9% p.a.

approval fee*



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


Interest rate p.a.^

Interest rate p.a.^

Orange A



Orange B



Yellow A



Yellow B



Green A



Green B



Blue A



Blue B



^Note: These interest rates are indicative only and may be subject to change without notice.
As published on as at 29 September 2021.


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.




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.


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