NZCU Baywide

Mission
NZCU Baywide are all about helping everyday New Zealanders achieve their financial goals. Being 100% kiwi owned, we are proud to support New Zealanders with a range of loans and everyday banking services.
Rates & Loan Information
At NZCU Baywide, we don’t just focus on credit scores or how the numbers look on paper. We listen to your story and work with you to find the best personal finance option available for your situation. We offer competitive rates for both, secured and unsecured finance. Use the lending calculator above to find out how much you could borrow and how much you could save by borrowing from NZCU Baywide.
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 personal lending rates

Risk grade Orange Yellow Green Blue
Interest rate %p.a. 8.90% 13.90% 17.90% 21.90%

Unsecured personal lending rates

Risk grade Orange Yellow Green Blue
Interest rate %p.a. 11.90% 15.90% 19.90% 23.90%

Note: These are indicative rates only and may be subject to change without notice.
• We have flexible borrowing terms available from 6 to 60 months
• No early repayment fees – you have the option to make lump sum repayments and pay your loan off faster
• View our interest rates and fees here
• Use our lending calculator above and apply online for finance today. Contact us for more information or to speak with our team.
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