Personal Loan

Personal loans from 13% p.a.* 

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We can help with finance and credit for almost anything, including debt consolidations, vehicles, a holiday, home improvements or cash for a special occasion.

  • Affordable repayment options and terms
  • The ability to top up your loan*

Don't wait any longer, buy the things you really want with a personal loan.

Call us for more info on 0800 003 280

 

Rates and information

  • Personal loaninterest rate ranges from: 13% - 23% p.a.*
  • Maximum personal loan term is 7 years
  • Minimum personal loan amount is $100
  • Repay weekly, fortnightly or monthly
  • An approval fee up to $200 and other fees apply*

Click here to view our loan agreement or here to view our rates and fees.

 

*Terms, conditions and other lending criteria apply. An approval fee up to $200 and other fees apply. All variable rates and fees are subject to change.

How Much Money Can I Borrow?

Please choose the choice that is right for you from these two options

Loan repayments are based off an interest rate of 18% per annum. 

Personal Loan interest rates start from 13% per annum. Interest rates may vary.
 

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.

View our rates and fees »