Interest rate
8.90% p.a
Amount I want to borrow
Weekly repayments
Enter your current interest rate % p.a
This example is calculated on a loan with full repayment made over a 7 year period at an interest rate of 8.9% p.a. Total repayments over the term of the loan would be [total-repayments] (indicative only). Weekly repayments are indicative only. Normal lending criteria and conditions apply. An approval fee of $250 plus other third party service charges may apply. This calculation is intended as a guide only and is not an offer of finance from NZCU Baywide. The minimum personal loan borrowing amount is $2,000 and the maximum personal loan borrowing amount is $50,000. All interest rates and fees quoted are subject to change. View a full list of rates and fees.
Whatever your goal, borrowing from NZCU Baywide could be just what you need to finance your next step in life. Read more about our loans.
*This example is calculated on a loan with full repayments made over a 7 year period at an interest rate of 8.9% p.a. Total repayments over the term of the loan would be $13,842.12 (indicative only). Weekly repayments are indicative only. Variable interest rate. Terms and conditions and normal lending criteria apply. An approval fee of $250 plus other third party service fees may apply. This calculation is intended as a guide only and is not an offer from NZCU Baywide. The minimum personal loan borrowing amount is $2,000 and the maximum personal loan borrowing amount is $50,000. All interest rates and fees quoted are subject to change. View our full list of rates and fees here.
Rates and information
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 an individual's financial information we will assign a risk grade and the corresponding interest rate could apply. Read more about our loans here.
Secured loan |
Unsecured loan |
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| Grade | Interest rate p.a.* | Interest rate p.a.* |
| Orange A | 8.90% | 10.90% |
| Orange B | 11.90% | 12.90% |
| Yellow A | 13.90% | 14.90% |
| Yellow B | 15.90% | 16.90% |
| Green A | 17.90% | 18.90% |
| Green B | 19.90% | 20.90% |
| Blue A | 21.90% | 22.90% |
| Blue B | 23.90% | 24.90% |
| Purple A | 25.90% | 26.90% |
| Purple B | 27.90% | 28.90% |
*Note: These interest rates are indicative only and may be subject to change without notice.
For information on our loan agreements and terms and conditions click here.
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When applying for a credit loan it's important to consider all of the costs involved. Below is an example of the total costs included over the term of a secured vehicle loan: $15,000 personal borrowing + $250 approval fee + $36.51 third party charges (credit check, vehicle check and registering security over vehicle) = $15,286.51 Set up over a term of 3 years (157 weeks) at 8.9% p.a. interest = weekly repayments of $111.12 |
