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Lending people simplicity

Simplify your finances 100% online, with a Debt Consolidation Loan up to $150,000.


Excellent - Based on 1083 reviews

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.


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?






5 years

1 year

7 years



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Calulated at an example rate of 9.95% p.a.*APPLY NOW

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.

Amazing service

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.

Business Loans

Do more with a business loan from Lending People. Flexible line of credit or term loans from $10,000 to $500,000.

Learn More About Business Loans

Personal Loans

Bring possibilities to life with a Personal Loan to get married, take off on holiday, renovate your home, go shopping, and much more.

Learn More About Personal Loans

Vehicle Finance

Finance for your new workhorse, daily driver, family wagon, luxury sedan, or sports car, and pay no fees to use our service¹.

Learn More About Vehicle Finance

We have relationships with a large network of lenders


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.

Read more

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.

Let's Go!

It will take about 3 minutes to complete your debt consolidation application, and it will not affect your credit score.

  • Guides & Insights
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  • Home Loan Calculator
  • Personal Loan Calculator


1083 reviews on

¹Fees: We do not charge a fee to use our service (commonly referred to as a platform fee, broker fee, or referral fee) if you are an existing customer or do not proceed with a credit contract. A fee to use our service of between $0.00 and $995 is applicable in all other cases.

²Annual Interest Rate (AIR): The AIR offered by our Personal Loan providers ranges from 6.95% p.a. to a maximum of 26.95% p.a.

³Annual Percentage Rate (APR): Also known as the 'comparison rate', the APR is calculated by adding together the AIR plus any additional fees that may apply (like establishment fees). New Zealand law does not require APR disclosure, but doing so can better highlight borrowing costs. The APR offered by our Personal Loan providers ranges from 7.80% p.a. to a maximum of 27.91% p.a. The APR is accurate only for the representative example given below and may not include all fees like early repayment fees (if any). Different terms, fees or other loan amounts might result in a different APR.

⁴Minimum and Maximum Repayment Terms: Repayment terms offered by our Personal Loan providers range from 12 months to a maximum of 84 months.

Representative Example of the Total Cost of a Loan: If you borrow $20,000 over a repayment term of 36 months at an AIR of 6.95% p.a., your total repayments will be $22,493 (made up of $20,000 principle, interest charges of $2,243, and an establishment fee of $250). This example assumes monthly repayments and does not include premiums for any optional insurances or fees for using our service (if any).

Terms and Conditions: All approvals are subject to provider credit criteria and responsible lending requirements. The loan amount and interest rate offered will depend on your circumstances, the type of lending required, and the security (if any) provided. Provider establishment fees, terms, and conditions apply.