Make debt consolidation a breeze with decisions in 60 seconds and rates from 6.95% p.a.²
Borrow up to $150,000 to combine credit cards, store cards, hire purchases, and other debts into one manageable loan so that you can get debt-free sooner.GET STARTED TODAY
Take back control of your debt.
With a debt consolidation loan, you will have just one regular repayment to maintain and a fixed end date. So, you can count down the days until you are debt-free.
Put your feet up. We've got this.
Our digital platform will match you with the best possible terms and interest rates across a range of trusted lenders throughout NZ.
Get fast decisions and expert advice.
You will receive a decision on your application in 60 seconds (without affecting your credit score) and a dedicated adviser that will be available to assist you if needed.
How much would you like to borrow?
FOR HOW LONG
ESTIMATED REPAYMENTS FROM
Results in this calculator are based on the limited financial information provided by you and is to be used as a guide only. It is not an offer of finance, or a quote, or indication of pre-qualification for any loan product. The calculation uses an example rate of 9.95% p.a. and is based on amortised scheduled repayments with a fixed interest rate for the term of the loan.
All approvals are subject credit criteria and responsible lending requirements. The loan amount and interest rate offered will depend on your personal circumstances, the type of lending required, and the security (if any) provided. Fees, terms, and conditions apply.
Lending people simplicity in three simple steps
Our application process provides faster decisions, greater transparency, and the freedom to interact with our advisers on your terms.
Apply online. Our digital platform will assess the information provided and approve, decline, or refer your application in under 60 seconds.
Follow your applications' progress in real-time, complete any tasks, and chat with your dedicated adviser using your online dashboard.
Read, accept, and sign your loan documents electronically on any device. The lender will then transfer funds into your bank account overnight.
Lock in the day you will be debt-free.
Combining all your debts into one loan can make managing your financial commitments easier. There is just one regular repayment to maintain and a fixed end date. So, you can count down the days until you are debt-free.
What you will need to get started:
- Be at least 18 years old
- An income of at least $500 per week
- A current driver's licence or passport
- Access to internet banking
- 2 to 3 minutes to complete our online application
Don’t just take our word for it
Rated 4.8 / 5 based on 1083 Reviews. Showing 5 star reviews.
J Meecham - New Zealand
June 24th, 2021
Sufficient with fast feedback
Harawira Poharama - New Zealand
June 22nd, 2021
Very pleased with the friendly service…
Natalie Roberts - New Zealand
June 21st, 2021
Genesis Te Are - New Zealand
June 18th, 2021
Looking for something else?
We offer a range of loan products to help you embrace opportunities and overcome obstacles with confidence.
Do more with a business loan from Lending People. Flexible line of credit or term loans from $10,000 to $500,000.
Bring possibilities to life with a Personal Loan to get married, take off on holiday, renovate your home, go shopping, and much more.
We have relationships with a large network of lenders
LENDING PEOPLE INSIGHTS
Take an in-depth look at credit reporting.
If you have ever applied for finance, rented property, connected power, or signed up to a mobile plan, companies that provided these services likely checked your credit report. Let's take an in-depth look at what information is on your credit report, how we might use that information, and what it means for you.
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.