Loans

We listen to what you want and help by creating a loan plan tailored to your specific needs and budget. We make it as easy as possible and some loans can be approved in as little as one hour.  Contact Us to discuss a loan, or use the Online Loan Application form below.

Personal Loan

Personal Loan – Home improvements, holiday, debt consolidation or just cash for a special weekend.

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Online Loan Application

Generally some form of security is required such as savings, property, motor vehicles, or a guarantor. Unsecured loans are available depending on your past history with NZCU Central.

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Savings Kickstarter Loan

Let us help you create a savings habit, assist you onto the lending ladder, and maintain a savings account all with our new Saving Kickstarter loan product.

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Personal Loan Calculator

Want to borrow some money? Maybe you want to get another car, a new TV or some money for Christmas presents? Check out our personal loan Calculator.

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Home Loan Calculator

Want to take out a mortgage on a home? Check out our home loan calculator and see find out how much you could borrow.

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In need of a holiday?

Everyone deserves a break from time to time. So let us help you get some by sorting out your finances for you. You could borrow $1k for travel and pay as little as $23* a week for the term of the loan. 

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Car Loans

We can help you to get in the drivers seat of the vehicle of your dreams much faster than you expect.
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Debit Card

Enjoy the convenience of a credit card while staying in control of your spending.
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Car Insurance

From quote to policy, we can assist you with whatever level of cover you require for your vehicle.
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Funeral Plans

We can help you to provide for the unexpected costs of a funeral
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NZCU Central is proud to be a credit union and not a registered bank.

For lost and stolen cards 0800 800 147

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Email us on info@nzcucentral.nz

Serving the Bay of Plenty for 50 Years

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Credit Union Baywide trading as NZCU Central. Terms and conditions and normal lending criteria apply. A $500 approval fee and other fees apply for home lending. An approval fee up to $200 and other fees apply for personal lending. All variable rates, fees and returns are subject to change without notice. The current Product Disclosure Statement and other disclosure statements are available here or on request from the Credit Union. Credit Union Baywide savings are shares secured by a first ranking security over Credit Union Baywide's assets.

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