How much vehicle finance do I qualify for?

Work out how much car finance you can afford with our calculator

At NZCU Baywide we can lend between $2,000 and $60,000 for your car loan. Check out our vehicle car loan calculator to find out how much your weekly repayments will be based on the amount of money you’d like to borrow.

If you want to know exactly how much car finance you qualify for, take the first step and fill out our online Loan Affordability Check. It’s that simple!

If you’re still unsure, call our friendly team on 0800 229 943 to discuss your needs.

Applying for finance? Don’t forget these additional expenses:

Before you submit your application, ask yourself how much can you comfortably afford to pay towards your car loan repayments. When you’re coming up with a figure, don’t forget to budget for all of the other costs associated with purchasing, owning, and maintaining a vehicle.

This includes:

  • Warrant of Fitness
  • Vehicle Licensing
  • Car Insurance
  • Servicing
  • Maintenance (e.g. tyres, brake discs, cleaning materials etc)
  • Consumables (e.g. petrol, oil, batteries).

Need to borrow more? Increase how much you’ll be approved for by:

  • Consolidating your debt
    If you’re juggling a number of debts, it’s a good idea to combine them into a single loan. Having just the one loan will make it easier to manage repayments, and you’ll save money with a lower interest rate, too!
  • Reducing your credit
    Cut up one of your credit cards or lower your credit limit across all your cards. Remember, a potential lender takes into account your credit limits whether you spend up to your limit or not.
  • Maintaining a good credit rating
    Paying your bills on time or snowballing your debts are just a few ways to show you’re a responsible borrower and improve your credit rating. This increases your chances of borrowing at the best interest rate, and for the amount you want.

More frequently asked questions about our vehicle loans

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

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


Want to know your options?

Use our vehicle loan calculator