Rating based on 66 reviews

NZCU Baywide


  • Personal loans up to $60,000
  • Low-interest starting from 9.99%
  • Repayment up to 7 years

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Author NZCU Baywide. Screenshot of NZCU Baywide website. [Accessed April 17, 2018]

About NZCU Baywide

NZCU Baywide is owned by New Zealanders who know what it takes to get financial assistance.

We have years of experience in helping Kiwis find the right instant credit solution to help them get a little further.

We are NZ's preferred lender

We offer solutions which will give you the same products as a bank but, with bigger benefits. We are a 100% NZ owned. This gives our fellow clients the guarantee that they are getting a service from the country they trust.

Initially started in 1971 as Whakatu Freezing Works Employee's Credit Union, NZCU Baywide has developed to 16 branches all through the focal and lower North Island. While we may have developed in size our qualities have continued as before 'helping individuals accomplish their monetary objectives'.

Your money - your choice

We offer our clients a choice when it comes to their financial needs, including a multitude of personal loan options and guidance into your finances. We are not revenue driven, we are customer-centric. We strive to protect your best interests and aim to provide the right service and product for your needs.

Owned by Kiwis just like you

  • Our main obligation is to our client proprietors.
  • Our assets are sourced from the group we serve.
  • Our loaning underpins people and families who live or work in New Zealand.

Join the firm that cares about your needs long term and helps you get the short-term finance you need now.

NZCU Baywide Services

We offer personal loans ranging between 9.9% and 11.9% interest.

Depending on what amount you need to borrow will be the enlightening factor of which of these options you wish to choose from. NZCU Baywide has one of the most flexible and transparent ranges of services to help you financially in the country. We have personal loans to meet every need. Car loans which will have you driving off in style.

Whatever finance option you need, we will find it for you

We are not a bank, we don’t expect our clients to make appointments and stand in queues. Applications are quick and you get the cash even quicker. We offer more options and easier criteria in order for our clients to get the emergency loan they are looking for. When you feel it’s time to move into a new home, our home loans and home improvement loans offer incredible benefits.

We have you covered

Less paperwork, fewer hassles and less time. Go on a well-deserved holiday with our personal loan. Borrow the amount you can afford to pay back in monthly, weekly or fortnightly terms.  Get pre-approved on a new set of wheels and get cash deals on your next car.

Competitive interest rates

Get rates which are incredibly competitive in the NZ financial industry. Interest rates which are somewhat something to smile about. The choices are limitless and the process is simple. Get the cash you need within 24 hours, and start making some changes to the positive in your life. 

NZCU Baywide Personal loan

  • Loan Type Personal loans
  • Interest Rate 9.99 – 23.90% p/a
  • Loan Amount up to $60,000
  • Repayment 6 months to 7 years
  • Establishment Fee $250

Benefits of NZCU Baywide

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

When you partner with NZCU Baywide, you get a financial partner for life

We offer more than a few positive reasons to get financial assistance from NZCU Bayworld. Not only do we hold one of the highest turnaround times in obtaining finances, but we are 100% owned and run by New Zealanders.

We know what our clients want

Invest, save receive and get what you want at the right price to suit your budget. We offer finance solutions that will have you smiling. With our range of short-term loans, unsecured loans are a loan offering where our clients do not have to give security against their loans.

They are usually for personal reasons such as holidays, paying off bills or just to use as you like. Secured loans are when you need a larger loan, perhaps for a new home or car, depending on the amount you desire to lend. You are able to use your assets or have a guarantor sign on your behalf. Our personal loan rates are very competitive in the market. With secured loans ranging from 9.9% and unsecured loans at 11.9% per annum.

What can I do with my Loan?

Personal loans can be used for almost anything. Your loan repayments are based on the amount of cash you borrow. Use these loans for a vacation, wedding, pay off medical bills or anything else you need that extra cash for.

Home loans up to $250,000

Our home loans allow our clients to lend up to $250,000 without putting down a deposit. We will do our best to get you whatever amount you need to secure the payment on your dream home.

Debt consolidation loans

Debt consolidation loans have become a niche product in reducing interest rates as well as debts. We can offer you a loan to pay off all your little debts and loans, which mean you only, pay off one loan and one instalment each month. This will allow you to have more to budget with each month, and enjoy a little extra cash.

Get a new set of wheels

Car loans which are pre-approved allow our clients to get the best cash deals on their new car. Now you can afford to trade in your old wheels for something newer.

Don’t delay, get your loan today!

All our loans are available online through our simple and fast online application process. It’s easier than you think to lower your interest rates, get affordable repayment terms and afford all the good things in life. Our team are there to assist you throughout your experience and guide you in the direction which best suits your pocket.

Customer Reviews & Testimonials

Such an affordable personal loan option - lowest rate I have been offered on an unsecured loan!

Helena L
— Lower Hutt —

Excellent terms, great rates, and friendly staff to assist when you need it.

Charmaine G
— Wellington —

NZCU Baywide Contact Details

Contact Number


  • not available


Physical Address

Postal Address

  • PO Box 431, Hastings, 4156, New Zealand

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