Where can I get car finance?

Everything you need to know about where to get car finance 

Picking the right financial provider 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 financial goals with great, low-interest loans.

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 vehicle finance rates start from as low as 9.90%* p.a for secured vehicle loans and 11.90% p.a* for unsecured vehicle loans.

Spend less time stressing over repayments and apply for a car loan 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 finance company. 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, low cost loans, 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 for personal and home loans 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.

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