Debt Consolidation Loans | Personal Loans | Lending People NZ
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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!

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Enjoy simplicity by consolidating up to $30,000 of debt into a single loan with one easy payment.

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$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.

Loan Repayment Calculator

$10000|

$1,000

$30,000

FOR HOW LONG

5 years

1 year

5 years

ESTIMATED REPAYMENTS FROM

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$0 total

$0/mth

$0 total

Calculated at an example rate of 14.95% p.a.² Not an offer of finance.APPLY NOW

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.

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  • Qualified financial advisers
  • Fast, efficient service
  • Smart, secure technology
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Regain control over your debts.

  • One simple payment
  • Potential costs savings
  • No early repayment fees⁴


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- Based on 0 reviews

Awesome service

Very easy service and quick response time.

Iain B, NZ

Jan 15, 2024

Time

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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.


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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.
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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.
Learn MoreGet your rate
  • Personal Loan
  • Debt Consolidation Loans
  • Vehicle Finance

¹All approvals are subject to responsible lending inquiries. If you sign your loan contracts before 3:00 pm on a weekday, you will receive the funds on the same day. While bank processing times differ, funds usually show up in your account by early evening.


²Annual Interest Rate (AIR) and Annual Percentage Rate (APR): Unsecured interest rates range from 13.90% p.a. to 23.90% p.a.

³Minimum and Maximum Repayment Terms: Repayment terms range from 1 year to 5 years.

⁴Fees: Where Lending People is the creditor, we charge a $174 establishment fee. Lending People does not charge a monthly fee or early repayment fee. A default fee of up to $95 may be charged at 31 days and at 61 days in arrears. Where another provider is the creditor, provider-specific establishment fees, monthly fees, early repayment fees and default fees may apply.

⁵Terms and Conditions: Our services are provided in accordance with our Application Terms & Conditions. A copy of our contract (Provided by MTF Finance) can be found here.

Representative Example of the Total Cost of a Loan: If you borrow $10,000 over a repayment term of 36 months at an AIR of 14.95% p.a., your total repayments will be $12,631.60 (made up of $10,000 principal, a $174 establishment fee, and interest charges of $2,457.60). This example is based on amortised scheduled weekly repayments with a fixed interest rate for the term of the loan

© The Lending People Limited Trading as Lending People (FSP240365) holds a license issued by the Financial Markets Authority (FMA) to provide financial advice services. Click here to view our Disclosure Statement.

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