Debt Consolidation

Personal Loans: Debt Consolidation Loan

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

Consolidating debts may be the best decision you make this year.

It might even save you some money - wouldn't you love that?

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.

We're proud to be a 100% Kiwi owned company and NZ's #1 rated finance company on Trustpilot with 1,820+ 5 star reviews.

Debt Consolidation loans are tailor made to fit your specific requirements
Once your loan is approved and completed, money could be in your account in 60 minutes
Decades of trust. Future Finance has 25+ years' experience helping Kiwi's
Clean and Transparent. No hidden surprises. What you see is what you get with Future Finance

If you're looking for a personal loan to consolidate debt, apply online now.

New Zealand's Only 5-Star Rated Finance Company on Trustpilot

Apply online in just 2 minutes or call 0800 25 10 10 to speak to a loan specialist

Why it’s a good idea to consolidate debt

Using a personal loan to consolidate debt simplifies your finances by combining all of your debts into one simple loan with a single repayment to one loan provider making both budgeting and repayments easier. If you are struggling to keep on top of your multiple loans, a debt consolidation loan from Future Finance can help. We are one of NZ’s most trusted loan companies with 1600+ five star reviews from individuals throughout New Zealand. Click here to see why

Qualifying for a debt consolidation loan

You may be asking “How do you qualify for a debt consolidation loan?” This is a great question and the answer depends on your individual circumstances. We consider each application on an individual basis and tailor the debt consolidation loan according to each person’s situation. 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.

Our Easy 3 Step Loan Process

Contact our friendly team

Apply online or call us on 0800 25 10 10

We complete
your application quick as

We'll call you to verify some things.

Everything's sorted!

Once your loan is approved and completed, we aim to have money in your account in less than 1 hour

Easily Apply Now

Or call our trusted team on 0800 25 10 10

We understand life happens - and our simple solutions are here to help

We're ready to help now.

Payments that suit you
We know that flexibility and a repayment schedule that fits with your lifestyle is important to you. We'll do our very best to make it work for you.
We don't judge.
Your business is your business. Our job is simply to help you get to where you want to be, and our trusted team are always available with a friendly ear to help you get what you want today.
No hidden fees
Rest easy. Everything is up front and transparent with Future Finance. We promise.

So - what are you waiting for?

A better future starts today

Easily Apply Now or call our trusted team on 0800 25 10 10

“Everything was explained clearly, I'm impressed.”

Mary, Wellington

“Thanks for your professional & hassle-free service.”

Moana, Auckland

“Super fast and easy.”

Joe, Auckland

Disclosure Statement & Terms

Our terms range from 6 months to 5 years. View our loan terms here.

Interest rates are fixed and range from 12.99% to 24.99% p.a.
The interest rate offered will depend upon your credit history, security offered and your overall credit profile.

The term of your loan will depend on your financial circumstances and take into account:

how much you want to borrow
security being offered
your income
your other financial commitments
your credit history

Future Finance Ltd does not associate itself with High Cost Lending

Representative example of the Total Cost of a Loan: If you borrow $10,000 over a repayment term of 36 months with an AIR of 12.99%, your total loan payments will be $12,748.05 (made up of $10,000 principal, interest charges of $2,211.05 and monthly admin fee of $5 and an establishment fee of $357).

This example assumes weekly repayments and does not include premiums for any optional waivers or additional fees (if any).

For a quote on Business Lending please contact our business team specialist on 0800 25 10 10.

You are protected by responsible lending laws. Because of these protections, the recommendations given to you about your loan is not regulated financial advice.

This means that duties and requirements imposed on people who give financial advice do not apply to these recommendations. This includes a duty to comply with a code of conduct and a requirement to be licensed.