Simplify your finances

Streamline your repayments and move forward with clarity.
MatchMe Money can connect you with flexible loan options in minutes—featuring competitive rates and a straightforward application process.

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Your path to financial confidence

Managing multiple payments across different accounts can be complicated. MatchMe offers a way to simplify your financial commitments with a single, tailored loan—helping you focus on your future.

Stress free finance

One managable repayment

Combine existing balances into one easy-to-track plan.

Save time and money

Save time and effort

Reduce admin and potentially pay less in overall interest.

Business and personal loans.

Support at every step

We take care of the process, from start to funding—so you can concentrate on your goals.

Couple reviewing their finances for a debt consolidation loan

What you can expect

  • Streamlined repayments

    Multiple balances combined into one clear repayment schedule

  • Peace of mind

    Avoid the hassle of tracking multiple due dates and providers

  • Flexible terms

    Choose the timeframe that works for your budget and lifestyle

  • Credit health focus

    Regular payments on a single loan may support long-term credit improvement

How it works

Getting started is simple

1
Tell us about yourself

A quick and secure process—verify your ID using your NZ driver’s license or passport.

2
We do the legwork

We assess your application and match you with lenders suited to your situation.

3
Review your options

Compare terms and select a loan that fits your needs and financial preferences.

4
Sign and receive funds

Finalise documents and access funds quickly—so you can take control sooner.

Loan repayment calculator

Plan your financial future with confidence. Estimate how much your repayments could be, based on how long you would like to make them for.

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Estimated monthly loan repayments from

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Total repayment (Incl. interest and fees)

The estimated monthly loan repayment figures illustrated above do not constitute a credit offer and are subject to both: (i) your chosen individual lender's approval to lend, and their terms and conditions; and (ii) MatchMe Money's own terms and conditions (including, in both cases, any additional establishment, introduction, security registration and other miscellaneous fees. MatchMe Money's fees information can be found on our interest rates and fees page. Your selected lender's own terms and conditions will be provided in the loan documentation that they will provide to you (if successful). We recommend seeking and obtaining your own financial advice before committing to any loan or financial product.

key loan information

What you need to know up front

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Over 18 years of age
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Valid New Zealand passport or drivers license
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New Zealand citizen, permanent resident or visa holder
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Good repayment history
$3,000 - $100,000
Loan amount
9.49% - 29.95%
Interest rates
1-5 years
Loan term (unsecured)
1-7 years
Loan term (secured)
Up to $395
Establishment fee
Up to $995
Introducer fee

View further information about our interest rates and fees.

Common use cases

This loan maybe used to simplify payment obligations from:
  • Credit cards
  • Personal loans
  • Store cards
  • Hire purchases
  • Other high-interest balances

In case you missed anything?

What can I use the loan for?

It’s often used to streamline multiple repayments into one. You can use it to replace various unsecured finance obligations with a single, more manageable option.

Will this affect my credit score?

Checking your eligibility won’t impact your credit score. If you proceed with an offer and make regular repayments, it may help improve your score over time.

How much can I borrow?

Loan amounts range from $3,000 to $100,000. The amount offered will depend on your income, expenses, and credit profile.

How soon can I receive the funds?

You could receive a decision in minutes. With complete information, funds are often released on the same day.

Who’s eligible to apply?

Anyone over 18 who’s a NZ citizen, permanent resident, or valid visa holder with a regular income.

Still have questions?

Explore our FAQs for more insights—or contact our friendly team for personalised support.

Secured or unsecured loan?

Secured personal loans use an asset (like a vehicle or property) as security, and lenders may offer lower interest rates, higher borrowing limits, and longer repayment terms. However, the asset may possibly be repossessed if you do not keep up on the payments for the loan.

Unsecured loans don't require security, which could provide more flexibility in fund usage and possibly a simpler application process. However, these loans typically have higher rates, lower limits, and possibly shorter terms.

Whether you need a secured on unsecured loan, MatchMe Money can help match you with loan options tailored to your financial situation.

Mother and baby in their new car funded by MatchMe Money

Why choose us

As a New Zealand-based company, we understand the unique needs of Kiwis and the local finance landscape. We’re here to assist you with personalised, transparent, and reliable financial solutions.

Cutting edge technology

We use the latest technology to match you to lenders fast, giving you access to personal loan options all in one place.

Comprehensive security

Your personal and financial information is safe guarded with bank-level encryption, giving you peace of mind throughout the application process.

Transparency you can trust

We believe in clear honest communication, no hidden fees or confusing jargon.

Woman on phone speaking to MatchMe Money.
Important information
  1. Loan contract terms are from 12 months (secured and unsecured) to 60 months (unsecured) and 84 months (secured).
  2. The Annual Interest Rate (AIR) for Personal Loans is variable, ranging from 9.49% (secured) and 11.49% (unsecured) to 29.95% p.a. with loan terms from 12 months (secured and unsecured) to 60 months (unsecured) and 84 months (secured). Your actual rate depends on your circumstances, loan type, security provided, and an individual credit assessment.
  3. For illustrative purposes, an unsecured Personal Loan of $10,000 over 5 years at 13.95% Annual Interest Rate (AIR), including example lender, introducer, and other fees of $745, results in monthly payments of $255.40, with a total repayment sum of $15,234, reflecting an Annual Percentage Rate (APR) of 14.60%. Quoted totals do not include optional Payment Protection Insurance, Motor Breakdown Insurance, Lifestyle Protection or other Insurance products a customer may choose to add to the loan. For further information on lender, introducer and other fees refer to our rates and fees.
  4. Please review all fees in any loan contract before accepting. Approval is subject to lending criteria and an affordability assessment. Offers are subject to approval. Terms and conditions apply.
  5. Please note that we do not provide financial advice. The information on this page does not constitute a loan offer. We strongly recommend that you seek independent financial advice before making any financial decisions. Every individual's financial situation is unique, and a qualified financial advisor can provide personalised guidance based on your specific circumstances.
  6. Taking out a loan is a significant financial decision. Make sure you fully understand all terms, conditions, and potential costs before proceeding. If you have any questions about the information provided, please don't hesitate to ask us for clarification or you can contact the Money Talks helpline at 0800 345 123 or help@moneytalks.co.nz.

Simplify your finances today

Consolidate your debts and pave the way for a brighter financial future.