Debt Consolidation Solutions for Kiwis

Debt Consolidation

Less Debt, More Control

Juggling multiple debts with different interest rates and due dates? Debt consolidation rolls them into one easy-to-manage loan with a single repayment. Less stress, fewer fees, and a clear plan to pay it off faster. We make the process simple, so you can focus on getting ahead instead of keeping up.

How It Works

Getting your debt under control doesn’t have to be complicated. Here’s how we make it easy:

STEP 1

Understanding
Your Debt

We start with a chat about what you owe, who you owe it to, and how it’s impacting your finances. No judgement, just a game plan to move forward.

STEP 2

Finding the
Right Loan

Not all consolidation loans are created equal. We compare options, looking at interest rates, repayment terms, and what actually works for your budget.

STEP 3

Making
the Switch

Once we’ve found the best option, we’ll take care of the paperwork and get everything set up. No dealing with banks, no confusing fine print—just a smooth transition.

STEP 4

Keeping You
on Track

A consolidated loan is just the start. We’ll help you put a plan in place to stay on top of repayments and keep your finances moving in the right direction.

Why Choose Debt Consolidation?

Rolling your debts into one loan can take a huge weight off your shoulders. Here’s why it’s a smart move:

One repayment, less stress

No more juggling multiple due dates or interest rates.

Lower interest rates

Consolidating high-interest debt can save you money in the long run.

A clear path to being debt-free

Fixed repayments mean you’ll know exactly when your debt will be paid off.

More cash flow freedom

With better repayment terms, you’ll have more breathing room in your budget.

What Is Debt Consolidation?

Debt consolidation combines multiple debts into one loan with a single repayment. Instead of managing multiple credit cards, personal loans, or store finance plans, you’ll have one clear balance with a structured repayment plan. The goal is to reduce interest, simplify payments, and help you clear your debt faster without the usual stress.

Want to see if debt consolidation is right for you? Let’s talk

Frequently Asked Questions

Can debt consolidation really save me money?

Yes, if you’re consolidating high-interest debts like credit cards or personal loans into a lower-interest option, you could pay less overall and clear your debt faster.

Will debt consolidation affect my credit score?

Initially, applying for a new loan might cause a small dip in your credit score, but over time, making regular payments can improve it.

Do I need a perfect credit score to qualify?

Not necessarily. We work with a range of lenders, including non-bank options, to find a solution that works for your situation.

Can I consolidate different types of debt?

Absolutely. Credit cards, personal loans, store finance, if it’s debt, there’s a good chance we can roll it into one simple repayment.

Is debt consolidation the same as debt settlement?

No. Debt consolidation combines your debts into one loan with structured repayments, while debt settlement involves negotiating with creditors to pay less than what you owe.

Debt Consolidation