Rating based on 43 reviews

NZCU Baywide

  • Car finance up to $500,000
  • Low-interest starting from 9.95%
  • Repayment up to 36 months

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NZCU Baywide homepage
Author NZCU Baywide. Screenshot of NZCU Baywide website.
[Accessed March 6, 2023]

About NZCU Baywide

Get a car loan from a 100% NZ-owned and operated company that can assist you with so much more for less.

They are different from your typical NZ bank or finance company and have been assisting thousands of Kiwis to reach their goals since 1971. The great part about NZCU Baywide is that they are more focused on serving you than they are on profits. Their board of directors is elected by you, their customer. Enjoy world-class service while getting exactly what you need in terms of your desired vehicle.

Access vehicle finance at a great rate NZ 

Are you looking for a car loan that won’t break the bank? Look no further. NZCU Baywide has just the solution for you. Speak to a friendly consultant to get the wheels of your next car rolling. They are passionate about getting you the car you want.

As responsible lenders, they will also ensure that you will be able to comfortably repay your loan without unnecessary stress. Whether you are looking to upgrade from your existing car or buy a new one, Credit Union Baywide will help you get a tailored car loan that will suit your budget. For a face-to-face experience, you can visit one of their branches throughout the central and lower North Island.

NZCU Baywide Services

With NZCU Baywide you have the option of accessing a secured or unsecured car loan between $2k and $60k over 7 months to 7 years.

Starting at only 10.9% per annum they currently offer one of the lowest unsecured car loan rates available in New Zealand. To apply you can simply fill out their online loan NZ application form or contact their team for assistance.

Pay off debt faster

This loan will help you to combine multiple loans into one, saving you a lot of interest and helping you to pay off your debt faster. This can be a huge stress reliever by reducing your monthly repayments.

Pocket Loans – for everyday cash emergencies

Borrow between $100 and $2k over a maximum of 24 months. This loan can easily put cash in your pocket with an easy to manage repayment amount, you can plan and budget with ease.

Overdraft – access money when you need it

Get quick and easy access to cash that can help you out with unexpected bills until your next payday.

NZCU Baywide – Car loan

  • Loan Type Car finance
  • Interest Rate from 9.95%
  • Loan Amount up to $500,000
  • Repayment 1 month to 36 months

Benefits of NZCU Baywide

  • 100% online loan applications
  • A range of loan options to choose from
  • Flexible and transparent vehicle finance

Car loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This car loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Getting a car loan is as easy as completing a quick online loan application

If you are 18+ years of age and a permanent resident of New Zealand or on a permanent resident visa with adequate proof of identity you are good to go.

Get a quick approval 

  1. Make use of their online calculator to see how much you can afford.
  2. Fill out their online affordability check and get a quick answer or call their friendly team to discuss your needs.
  3. Once they approve you, you can use the pre-approval while shopping for your new car. They will provide you with the loan agreement that you will then have to sign once you are ready for the cash transfer. 

Home Loans – make your dreams of homeownership a reality

Get a home loan up to $600k without all the stress. Saving up for the deposit can be daunting. Apply with NZCU Baywide to see if you qualify for a low deposit NZ home loan.

Benefits of being an NZCU Baywide customer 

  • Enjoy great investment rates.
  • You can save money through competitive and fair loan rates.
  • When you are a member, you can qualify for discounts on third-party services and prize draws.
  • Receive real service - they will listen to your needs.
  • They are not-for-profit.
  • Deal with a 100% NZ-owned company.
  • Their board of directors will be elected by you.
  • Get educated with them to help you achieve your financial goals.

Customer Reviews & Testimonials

Excellent, quick service from NZCU! The online application was smooth, and my loan was approved in a day.

Abigail D.
— Dunedin —

I was searching for a loans company who covers private sales for a long time until I came across NZCU Baywide. Their private sales coverage and flexible repayments cannot be beaten!

Martha L.
— Palmerston North —

NZCU Baywide Contact

Contact Number


  • not available


Physical Address

Opening Hours

  • Monday 09:00 – 16:30
  • Tuesday 09:00 – 16:30
  • Wednesday 09:00 – 16:30
  • Thursday 09:00 – 16:30
  • Friday 09:00 – 16:30
  • Saturday – Closed
  • Sunday – Closed