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Get matched to a personal debt consolidation loan

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.
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One managable repayment

Combine existing balances into one easy-to-track plan.
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Save time and effort

Reduce admin and potentially pay less in overall interest.
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Support at every step

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

Benefits of a debt consolidation loan

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
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How it works

Debt consolidation loan process

1

Tell us about you

Answer a few questions and verify your identity in a few minutes with just your driver's license or passport.
2

Get matched in minutes

We handle the legwork, assessing your likelihood of approval and matching you with lenders.
3

Find your ideal loan

Explore transparent loan options and terms, selecting the loan best suited for your budget and needs.
4

Sign and receive funds

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

Debt consolidation loan 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.
Example:
$3,000 — $100,000

Example interest rate: 9.99% p.a.

Estimated loan repayments from

$0.00

Total repayment (incl. interest & fees)

Find your rates

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

8.5% - 29.95%

Interest rates

1-5 years

Loan term (unsecured)

1-7 years

Loan term (secured)

Up to $500

Establishment fee

Up to $2,500

Introducer fee

View further information about our interest rates and fees.

Why get a personal loan for debt consolidation?

This loan maybe used to simplify payment obligations from:

Credit cards

Personal loans

Store cards

Hire purchases

Other high-interest balances

Debt consolidation loan FAQs

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.

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.

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

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

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.
Frequently Asked Questions

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.

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Personal loans for life's moments

Whether you're planning a wedding, consolidating debt or embarking on a dream holiday, we're here to help with a range of personal loans

Why choose MatchMe Money

We understand the unique needs of Kiwi businesses. We’re here to assist you with personalised, transparent and reliable financial solutions.

‍Local expertise

As a 100% New Zealand owned company, we understand the unique challenges and opportunities in the Kiwi business landscape.

‍Cutting-edge technology

We use advanced matching technology to connect you with financiers fast, giving you access to business loan options and terms all in one place.

‍Comprehensive security

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

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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 8.5% (secured) and 12.95% (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 .

Apply for a debt consolidation loan online

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