Stop juggling your finances with a Future Finance Debt Consolidation loan.

Debt Consolidation
Personal Loans: Debt Consolidation Loan
Personal Loans: Debt Consolidation Loan
Stop juggling your finances with a Future Finance Debt Consolidation loan.
When you're managing multiple debts - credit cards, store cards, other personal loans - it can feel overwhelming. Personal loans for debt consolidation from Future Finance combine all your existing debts into one simple monthly payment, often at a lower interest rate than you're currently paying.
Managing multiple loans and repayments almost always means extra stress, so let us help you get your financial ducks in a row with our simple personal loan options available.
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A debt consolidation personal loan simplifies your finances by combining multiple debts into one manageable payment. Instead of juggling credit cards, store cards, hire purchases, and other loans, you'll have just one regular repayment to one lender.
Here's how the process works:
• We assess your current debts and financial situation
• You're approved for a personal loan that covers your existing debts
• We can arrange to pay out your creditors directly
• You make one regular payment to Future Finance
• Enjoy potentially lower interest rates than your current debts
Debt consolidation makes sense when you have:
• Multiple credit cards with high interest rates
• Several small loans with different payment dates
• Store cards or hire purchase agreements
• Difficulty keeping track of what you owe
• A desire to reduce your total interest costs
• The goal of becoming debt-free sooner
Let's say you currently have:
• Credit Card A: $5,000 at 20.95% p.a.
• Credit Card B: $3,000 at 19.95% p.a.
• Store Card: $2,000 at 22.95% p.a.
Total debt: $10,000
With minimum payments only, these debts could take years to pay off and cost thousands in interest. A Future Finance personal loan at 14.99% p.a. over 3 years could save you money and have you debt-free with a clear end date.
Apply online in just 2 minutes or call 0800 25 10 10 to speak to a loan specialist
To qualify for a personal loan for debt consolidation with Future Finance, you'll need to:
• Be at least 18 years old
• Be a New Zealand citizen or permanent resident
• Have regular income
• Meet our responsible lending criteria
We consider each application individually and look at your overall financial situation, not just your credit score. Our experienced team works with you to find a solution that fits your circumstances.
When applying for debt consolidation, you'll need:
• Proof of identity (driver's licence or passport)
• Proof of income (payslips or bank statements)
• Details of your current debts
• Proof of address
• Loan amounts from $2,500 to $50,000
• Terms from 6 months to 5 years
• Fixed interest rates from 12.99% to 27.99% p.a.
• No hidden fees or charges
• Fast approval and funding
To begin the process complete our simple 2 minute online debt consolidation loan application and we will be in touch to tailor a solution just for you.
We'll call you to verify some things.
Once your loan is approved and completed, we aim to have money in your account in less than 1 hour
Or call our trusted team on 0800 25 10 10
Easily Apply Now or call our trusted team on 0800 25 10 10