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.
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*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.
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)
Set up over a term of 3 years (157 weeks) at 8.9% p.a. interest = weekly repayments of $111.12