Debt consolidation NZ – one loan, one simple repayment
Struggling with multiple debts? Our debt consolidation loan in NZ brings all your balances together into a single, manageable loan—so you can focus on life, not on juggling repayments.
Debt consolidation made easy
Real Finance Debt Consolidation loans range from $1,000 – $50,000 and depending on the size of the loan and your affordability, loan terms of up to 36 months. Fixed interest 9.95% – 39.95% p.a. (based on your credit and overall finances).
E-Sign is available on this loan product, so you can do everything needed on your smart-phone, tablet or laptop without lifting more than a finger.
Why choose a debt consolidation loan?
One easy repayment
Replace multiple repayment dates with a single monthly repayment that fits your budget.
Lower overall repayments
By extending your term, you can reduce your repayment amount each period—easing cash flow.
Transparent loan contract
Know exactly how much you owe and when, with no hidden fees or surprises.
Fast online approval
Our digital process helps you get a decision quickly, so you can start paying down debt sooner.
Benefits of our NZ debt consolidation loan
Debt Freedom:
Streamline multiple debts into one, gaining clarity and control.
Lower Monthly Repayments:
Spread your debt consolidation loan over a longer term to reduce your monthly repayment.
Personal Loan Upgrade:
If you prefer, convert high-interest personal loans into one lower-rate debt consolidation loan.
Early Repayment Friendly:
Make extra or early repayments at any time to save on interest.
Is a debt consolidation loan right for you?
Our debt consolidation loan is ideal if you:
- Have two or more high-interest loans or credit cards
- Find it hard to track multiple repayment dates
- Want to simplify your finances with one repayment amount
- Seek a clear path to becoming debt-free
If you’ve taken out multiple personal loans or other existing loans, consolidating into one product can bring immediate relief and financial clarity.
How much will it cost?
Wondering what your repayments might look like? Use our loan calculator to estimate your loan amount and see how flexible your repayments can be.
Available loan amount
From $1,000 to $50,000
Terms
2 – 60 months
Repayments
Starting from $35 per week
Security options
Household chattels, vehicles, property or other collateral.
Disclaimer
This calculator is intended as a helpful guide for use when comparing loan providers and should only be used as such. It provides results based on the assumptions below and the information you provide.
- The calculated amount is not a quote or offer from Real Finance (or our External Lenders).
- Repayment amounts calculated are based on an indicative annual interest rate of 23.95%, an Establishment fee and a Monthly Administration fee.
- The rate offered to successful applicants will depend on individual circumstances and loan type, including your credit score, affordability and security offered.
- Our current annual interest rates and costs of borrowing can be found here.
- Other fees or charges may apply to your individual loan.
- It assumes you make all your required repayments in full and on time and therefore do not enter default.
For more information or to obtain a finance quote tailored to your individual circumstances, please contact one of our friendly team.
Online loans – easy as 1, 2, 3
1. Application
Fill in our 5-minute form, or call 0800 21 21 21 to talk to our friendly team.
2. Review
We’ll review your application within 60 minutes to make sure your loan is fit for purpose and affordable for you.
3. Payout
Once your loan is approved, we document your application, explain the terms, sign you up and pay out your funds.
“Real Finance have always found a way to treat me like a person and not just another number like larger organisations. It makes me see I am valued.”
Frequently asked questions
What is the minimum and maximum loan amount?
Debt consolidation loans range from $1,000 to $50,000 in NZ, with terms up to 36 months.
Can I repay my debt consolidation loan early?
Yes—you can make early repayments or extra payments at any time, reducing interest and shortening your loan term.
How soon will I see my existing debts paid off?
Once your debt consolidation loan is approved, we typically clear your existing loans within 1–2 business days.
Will consolidating debts affect my credit score?
While applying for a new loan triggers a credit inquiry, consistent monthly repayments on your debt consolidation loan can improve your credit score over time.
We’re here to help
Have more questions about our NZ loans, credit checks, or loan options? Visit our FAQ page for detailed answers, or contact our team for personalised support.
Ready to simplify your debt?
Streamline your repayments with one clear debt consolidation loan in NZ. Apply Online Now and take control of your finances today!
We’re here to help
Have more questions about rolling debts into one loan, potential interest savings, or a tailored repayment schedule? Contact our team for personalised support.
