Convenient credit when you need it

A revolving credit facility^ (minimum loan amount is $500,000) that’s secured against the value of your plant, vehicles and equipment.^ CreditPlus is a quick and easy cash flow facility^ that allows you to draw down when you need it, and you don’t have to tell us how you’re using it.

Reducing your interest

Use your surplus cash to repay your loan over and above your monthly repayments which will reduce the amount of interest you pay.  You have the flexibility to redraw these funds again as you need to.

Flexible repayments

Repayments (combined principal and interest) are made monthly by direct debit. You can make additional repayments of $1000 or more at any time. CreditPlus has no fixed term and there are no penalties for early partial or total repayment. The interest rate applicable to CreditPlus is reviewed quarterly, in line with the market.

Help with importing assets

If you’re buying plant or equipment from overseas, we can even help you bring it into the country, using the asset as security.

24-hour access

Credit Plus can be accessed through internet banking and telephone banking. Minimum drawdown is $1000.

No transaction fees

No fees are charged for drawdowns or repayments.


Our interest rates are tailored to suit your business and its borrowing needs. Rates are subject to BNZ's lending criteria and terms and conditions, and will also depend on a number of other factors such as the term of your loan and the amount you wish to borrow.

To find out about interest rates, send us an enquiry or get in touch with a BNZ Partner.