Debt Consolidation
Combine multiple loans and credit cards into a single loan with one easy payment. A debt consolidation loan from The Lending People can help you manage multiple debts with ease. Use our Loan Repayment Calculator to find a solution that fits your budget and start your journey to financial relief today!
Excellent - Based on 2586 reviews
Lending people simplicity.
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Enjoy simplicity by consolidating up to $30,000 of debt into a single loan with one easy payment.
Fairer
Clearer Fees
$174 Establishment Fee.
$0 Monthly Fee.
$0 Early Repayment Fee.
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If we can't approve your application, we can seek other options from a panel of trusted lenders.
How does this work?We make lending a breeze.
Get a personalised rate in moments, breeze through your application in minutes, and enjoy your funds as soon as today¹.
- Borrow from $3,000 to $30,000 unsecured
- Loan terms from 1 year to 5 years
- Weekly, fortnightly, or monthly repayments
- Personalised interest rates fixed for the term of the loan
Say goodbye to hidden fees and charges.
- $174 Establishment Fee
- $0 Monthly Fee
- $0 Early Repayment Fee
^If your loan exceeds its limit due to missed payments, a $95 fee is charged after 31 days and an additional $95 if it remains over the limit after 61 days. Where another provider is the creditor, provider-specific establishment fees, monthly fees, and early repayment fees may apply.
Boost your likelihood of approval.
If we can't approve your loan, our dedicated team can help secure offers from a range of other trusted lenders, including:
- Avanti Finance, Finance Now, Latitude Financial Services (GEM), MTF Finance, Nectar, and Unity Credit Union
We have helped customers secure over $400 million in personal loans this way. Provider-specific establishment fees, monthly fees, and early repayment fees may apply.
Loan Repayment Calculator
$3000
$30,000
FOR HOW LONG
5 years
1 year
5 years
ESTIMATED REPAYMENTS FROM
$0 total
$0 total
Are you looking for a little more help?
You can consolidate personal loans, car loans, hire purchases, credit cards, and buy-now-pay-later balances. When you complete your application, you will need to list all your debts, and you will be able to tick the ones you want to consolidate.
You can discover your personalised rate in just a few moments. Our unsecured interest rates range from 13.90% p.a. to 23.90% p.a.
Your loan repayments depend on the amount borrowed, your interest rate, and the loan term. Use our loan calculator to estimate your repayments.
Yes, you can pay off your loan in full at any time. We do not charge an early repayment fee.
We’ve helped Kiwis simplify over
$100 million of debt.
Regain control over your debts.
- One simple payment
- Potential costs savings
- No early repayment fees⁴
Excellent - Based on 2586 reviews
It pays to
compare.
It pays to
compare.
Already have a personal loan? Don't miss out on potential savings! Use our platform to see if we can offer you a lower rate on your existing loan. It's a simple, smart move that could save you money.
Looking for something else?
Personal Loans
Get your personalised rate in moments, breeze through your application in minutes, and enjoy your funds as soon as today¹.
Borrow from $3,000 to $30,000 unsecured, with fixed interest rates, no monthly fees, and no early repayment fees⁴.
Vehicle Finance
Go shopping for your new vehicle as a cash buyer, with an unsecured car loan.
Borrow from $3,000 to $30,000 unsecured, with fixed interest rates, no monthly fees, and no early repayment fees⁴.
