Pave your way to financial freedom

Easy and flexible loan repayment options

  • Purpose
  • Condition
  • Limit
  • Repayment Period
  • Rate of Interest
  • Rate of Interest on other consumers Loans

For acquiring consumer goods or to meet any other personal need.

  • Annual income NZD30,000 and above.
  • Person must maintain satisfactory salary account with BOB (NZ) Ltd.

Upto NZD 50,000

Maximum 36 months

Floating 11.00% p.a. (4% above Bank Base Lending Rate (BBLR); Present BBLR: 7.00% p.a.)

Our fees and charges are subject to change from time to time. For all charges please see our service charges.

* T & C apply

  Rate of interest
Loan for professionals Floating 11.00% p.a. (4% above Bank Base Lending Rate (BBLR); Present BBLR: 7.00% p.a.)
Education Loan scheme for students going abroad Floating 11.00% p.a. (4% above Bank Base Lending Rate (BBLR); Present BBLR: 7.00% p.a.)
Baroda Car Loan (Less than $15000) Floating 11.00% p.a. (4% above Bank Base Lending Rate (BBLR); Present BBLR: 7.00% p.a.)
Baroda Car Loan ($15000 or more) Floating 10.00% p.a. (3% above Bank Base Lending Rate (BBLR); Present BBLR: 7.00% p.a.)

Note:

  • Terms and conditions and lending criteria apply.
  • The above rates of interest are current from 2 June 2020 and are subject to change. Bank Base Lending Rate (BBLR) reduced to 7.00% p.a. with effect from 2 June 2020 
  • Please contact us on 0800 024 404 or visit any of our branches to clarify any further about any of these Rates of interest or to find out more about any of our consumer loans. 
  • Our fees and charges are subject to change from time to time. For all charges please see our service charges.
  • Financial Hardship Assistance: Customers presently availing existing credit facilities under Credit Contracts and Consumer Finance Act 2003 can apply for relief on the grounds of unforeseen hardship under the Credit Contracts and Consumer Finance Act 2003 should illness, injury, loss of employment, the end of a relationship, or some other reasonable cause render you reasonably unable to meet your obligations under the current Facility Agreement with the bank. Should you wish to apply for such relief, you must make your application in writing to the Bank specifying the cause of your inability to meet your obligations under the Facility Agreement. The Bank will respond to your application in accordance with section 57A of the Credit Contracts and Consumer Finance Act 2003.
  • Customers financially affected by COVID-19 are encouraged to contact us.
  • Please contact us on 0800 024 404 or visit any of our branch to find out more about  loans other than consumer loans. 
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