Rating based on 63 reviews

NZCU Baywide

  • Debt consolidation 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 7, 2023]

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 develop a total of 16 branches all over New Zealand.

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. NZCU Baywide received 4.8 stars out of the potential maximum of 5 stars based on our personal loans NZ and other products.

This rating is based on the experience of 76 different customers that rated NZCU based on price, customer service, who have recommended us as a lender. Based on the personal experience of New Zealanders looking to get a debt consolidation loan – NZCU Baywide is an ideal choice.

NZCU Baywide Services

We offer secured and unsecured personal loans at low interest rates to people all over New Zealand.

This allows people who have a valuable asset to place it as collateral for their loan in order to get a lower interest rate. 

Flexible loans that are 100% transparent

The one thing we strive for is to be one of the most transparent lenders available. Therefore, we offer a flexible range of services that will help you obtain the necessary finances you need to consolidate your debt and perhaps finally be able to repay that debt and be one step closer to being debt-free.

Whichever finance option you need, we will provide extensive assistance. NZCU Baywide is not a bank, our clients are thus not expected to make appointments and stand in queues. Our easy online loan application is quick and simple. In addition to all the great services we here at NZCU Baywide offer our clients, we also have flexible repayment options. This allows our clients to repay their loans quicker by repaying more than the minimum. 

NZCU Baywide – Consolidation loan

  • Loan Type Debt consolidation
  • Interest Rate from 9.95%
  • Loan Amount up to $500,000
  • Repayment 1 months to 36 months

Benefits of NZCU Baywide

  • 100% online loan applications
  • A range of loan options to choose from
  • Lower interest rates

Consolidate your debt and get rid of it for good at NZCU Baywide

If you are looking to find a loan from a great lender that will assist you 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 debt consolidation loans 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 lead to where you are notified of your acceptance status.

Customer Reviews & Testimonials

I have been banking with NZCU Baywide for years and when I needed help to better manage my debt they were my first choice. Always reliable and transparent, not to mention affordable.

Ibrahim A
— Hamilton —

NZCU was recommended to me by a family member when I said I was looking into getting a debt consolidation loan. I am grateful to have gotten the recommendation as the service is top-notch and the...

Hyrum W
— Invercargill —

I spoke to one of the financial advisors at NZCU Baywide and they helped me apply for my loan to help manage my debts better and took the time to explain a proper budget for me. Great service!

Lesley P
— Gisborne —

NZCU Baywide Contact

Contact Number


  • not available


Physical Address

Opening Hours

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