What is the car finance interest rate?

Find out how much interest you’ll be paying on your car loan 

Are you considering a car or vehicle loan?

If so, it’s important to find out how much interest you’ll be paying should your application receive the tick of approval from our team.

Here at NZCU Baywide, we return our profits to you in the form of great, low rate car and vehicle loans. Our secured loans start as low as 8.9% p.a.*, while our unsecured loans start at just 11.9% p.a.* with borrowing amounts from $2000 up to $60,000. This rate will vary based on the amount of money you intend to borrow, the term of the loan, as well as whether you’re applying for secured or unsecured finance.

Did we mention there are also no nasty hidden fees or charges?

This way you know exactly how much you’ll be paying long before you fill out your application.

Ready to finance your next car?

Applying for car finance can be scary, but it doesn’t have to be.

Simply use our vehicle finance calculator to work out how much you can borrow, or check our complete list of fees and interest rates. Our calculator will highlight how much your weekly repayments may be based on the amount of money you would like to borrow.

This will also help answer some other questions, such as:

  • What will the total repayment figure be after interest?
  • How will my loan term affect my interest rate?
  • What’s the lowest rate I can apply for?

If you have any other questions, contact us or phone 0800 229 943 to chat with our friendly staff.


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