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 September 6, 2021]

About NZCU Baywide

NZCU Baywide was established back in 1971 under the name of Whakatu Freezing Works Employee's Credit Union.

Ever since then, NZCU Baywide has been able to establish a total of 16 branches all over New Zealand.

High values and quality service

Even though our company has greatly expanded in terms of size, our values remain the same. We believe in being loyal and honest when it comes to our customers. We vow to give you only the highest quality services and treat you like the valued customer that you are.

We are shopper approved

If you are not familiar with Shopper Approved; it is a website that contains the ratings and comments of customers that have visited various businesses. According to the NZCU Baywide page on Shopper Approved, our business received 4.8 stars out of the potential maximum 5 stars.

This rating is based on the experience of 76 different customers that rated NZCU based on price, customer service, and recommended its services. It proves that based on the personal experience of New Zealanders looking to apply for a loan – NZCU Baywide is an ideal choice. 

NZCU Baywide Services

We offer secured and unsecured vehicle loans at low-interest rates to people all over New Zealand. Securing your loan with collateral will further ensure a lower interest rate.  

Transparent and flexible loans

NZCU Baywide has one of the most transparent and flexible ranges of services that will help you obtain the necessary finances you need to buy that new car that is just right for you. We offer car loans designed to meet your every need and will have you driving off in style.

Whichever finance option you need, we will provide extensive assistance. Our clients are thus not expected to make appointments and stand in queues. Our car loan application is quick and convenient.

In addition to all our great services, we also have flexible repayment options. This allows you to repay your debt quicker by repaying more than the minimum. 

Competitive interest rates

At NZCU Baywide we offer competitive interest rates on not only our vehicle loans but on all our loans. When you apply for a secured vehicle loan at NZCU Baywide you can actually get an interest rate as low as 8.9% p.a. While an unsecured car loan can get you an interest rate as low as 11.9% p.a.

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

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

If you are looking for a great lender that will assist you with your vehicle financing then NZCU Baywide should be at the top of your list.

When you contact their team of financial professionals they will help you get the best possible deal on car loans online with their highly competitive interest rates.

Easily apply online

If you wish to apply for a loan with NZCU Baywide, you can easily do so by visiting their user-friendly website and visiting the “Apply Now” page.

Here you will need to enter some personal information including your total income after tax has been deducted, your number of dependents, the amount you wish to borrow, your current debt, etc. Then you simply go to the next page where you will receive a response on whether or not you have passed the first step. If you are successful, then you will be required to enter additional information which will eventually lead to where you are notified of your acceptance status.

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