Debt Consolidation

Debt Consolidation

Freedom!

Do you have a load of debt all over the place – overdrafts, credit cards, store cards and other loans? In some cases you might be getting charged too much interest. What?! That’s crazy!

NZ Credit & Loans can bring all that debt under one roof with a debt consolidation loan. That means no more paying ridiculous rates – you can get ahead in life. So take a load off through NZ Credit & Loans and pay all your debt off with one simple payment, in-sync with your pay cycle. How simple is that? So simple.

Check out our online calculator and discover how you can save hundreds if not thousands of dollars. It’s never been easier getting your debt consolidated with NZ Credit & Loans. It’s a no brainer.

How much would you like to borrow?
$1,000
$30,000
Repayment Term:
36 months
Monthly
$0
Weekly
$0
60 months
$0
$0

Repayment amounts are based on a 15.95% interest rate and are indicative only. They exclude any brokerage, establishment, administration, waiver and insurance fees. These terms may not be available for your loan type. All loan quotes are subject to full application details and lenders conditions at the time of application.

Please read the Responsible Lending Guidelines for more details

NZ Credit and Loans is associated with some of the East Bay Finance Group of companies

Breakdown of fees

A quick & transparent process.

NZ Credit and Loans do not source loans for a period of 61 days or less.

We do not offer Short Term loans, all NZ Credit and Loans are for terms of six to sixty months with a fixed annual rate of interest. Our current interest rates start at 13.95% to a maximum rate of 49.95%, the majority of our loans fall between 13.95% - 29.95% but some of our quick start short term loans are written between 29.95% - 49.95%. The interest rate is calculated on credit history, security offered and your overall credit profile. A typical $20,000.00 loan through NZ Credit and Loans would be as follows:

  • Personal Loan Amount $20,000
  • Brokerage Fee $995.00
  • Establishment Fee $440.00
  • Payments over 36 months
  • Interest rate from 15.95% including monthly
  • Admin fee of $15 per month
  • Repayments from $937 per month including brokerage and (optional) payment waiver cover – subject to terms and conditions
  • Annual Percentage Rate 22.8%

Get your hands on a loan today!

Our professional team of finance experts are highly trained and will provide the refinancing solution you need. For any queries, the customer care team can also be reached by email or phone during normal working hours.

NZ Credit and Loans, 109 Lyndon Road East Hastings, 4122, New Zealand
0508 695 626