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    Get on top of your debts with a Debt Consolidation Loan

    Take out one, lower-interest debt consolidation loan and put all of those hire purchases, store cards and credit cards behind you.


    Apply for a Debt Consolidation


    What’s a Debt Consolidation Loan?

    A Debt Consolidation loan is where we roll your current loans, credit cards and retail hire purchases into one manageable loan. You end up with just one loan to repay, often at a much more favourable rate than those hefty credit card and retail finance rates. So clear the slate with one simple and affordable loan with weekly, fortnightly or monthly repayments, over a fixed agreed term.

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    Debt Consolidation
    Loans from 9.95%

    If the interest-free period on that TV from the retail store has expired you could be paying interest of up to 29% p.a. If you consolidate that debt or move that hire purchase into a NZCU personal loan you could be paying as little as 9.95%.

    We’re here for you

    The interest you’ll pay at NZCU Auckland, considers how much you want to borrow, the term of the loan, your income, your other financial commitments and your credit history. We’ll work with your specific circumstances to design a loan that fits your ability to pay. We’ll do our best to arrange the lowest rate possible. And if we can’t help we’ll tell you upfront and suggest alternatives.

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    Ready to take control of your debts?

    Get a Debt Consolidation Loan

    Take the pressure off now!

    Debt Consolidation loans can come with many advantages:

    #1: You can destress by taking the repayment pressure off
    You’re taking a sound step forward to control your finances
    You’ll be able to budget better with fixed regular repayments in place
    There’s a good chance you’ll be paying way less interest

    Got a Question?

    Call 09 579 1026
    or send a message

    How Much Can I Get?

    Use our Loan Calculators to work out how much you could afford to borrow.

    Apply Online?

    Applying for a loan with NZCU is no hassle at all – just fill in an online loan application.