Where can I get car finance?

Everything you need to know about where to get car finance 

Picking the right lender for your next vehicle loan can be stressful. There are so many options! That’s why here at NZCU Baywide we make the process easy by helping our members achieve their goals with a range of great, low-interest options.

Whether you’re looking to purchase your first car or upgrade to a newer model, we can provide vehicle finance to suit everyday Kiwis just like you. Our competitive rates start from as low as 9.90%* p.a for secured and 11.90% p.a* for unsecured finance.

Spend less time stressing over repayments and apply online, or call us on 0800 229 943.

The benefits of financing with NZCU Baywide

The key difference? We’re not a bank or your typical lender. We’re a 100% New Zealand-owned Credit Union. This means we’re not beholden to shareholders and chasing profits. Instead, we have your best interests at heart, returning our profits to you through low interest rates and great service.

As for the other benefits, we...

  • ...operate as a not-for-profit financial co-operative, ensuring our earnings are paid back to our customers - that’s you!
  • ...are not reliant on offshore funding. Instead, the money we lend out is the exact same money that is invested and saved by our customers.
  • ...don’t operate to serve investors. Instead, we have customer-owners, meaning each customer has a say in how the credit union operates.
  • ...take the time to get to know you by name, and offer a personalised service that listens to you, your needs, and your finances.
  • ...have more flexible borrowing standards, so we may be willing to work with you where a big bank may simply turn you away.

Want to know your options?

Use our vehicle loan calculator