Debt Consolidation Loans NZ



$1,000 – $150,000


100% Online Application

It’s easy. Only 6 mins


Get Approved

In just 60 mins*

Calculate Your Debt Consolidation Repayments

Use our debt consolidation calculator & determine the repayments you can afford & how much you should borrow. Usually, you’ll make a deposit on the item you wish to purchase, which acts as security, & we then spread the rest across 48 months. Our fast loans are subject to credit checks & in accordance with the responsible lending code of NZ.

Great, here’s your calculation

Our maximum loan term is 3 years so your repayments on a $6650 loan must be $70 (or more) per week

Takes only 4 mins

$30 per week

Your data is secure

Padlock icon - secure loan

Trusted by


Our customer rating

google-logo-reviews 4.6/5

* This is an approximate loan duration based on assumed adequate security & collateral, job security, income, residence situation and positive references.

Debt Consolidation loans help simplify your finances

Debt consolidation loans solve a lot of stressful problems almost immediately. Why stay up all night worrying about bills when you can sort them out fast with QuickLoans.

No matter how many bills you’ve got looming, or how many payments you’re juggling, we can help you combine all your outstanding debts into one manageable payment. Consolidate debts and life will become much easier.

And instead of paying stacks of monthly fees, high interest rates, and half a dozen admin charges, by consolidating debts, you’ll save hundreds (or thousands) over the course of your loan with a great interest rate from a single provider.

Consolidate Debt, Simplify & Save

We’ve been helping New Zealand’s workers, residents, and students get on top of their finances and consolidate debts fast, subject to the responsible lending code and affordability, since 2003. And all of our lenders understand the pressure of making ends meet.

If You Consolidate Debts, How Does It Work?

Debt consolidation loans are designed to pay off all of your existing debt immediately. New Zealanders sometimes find themselves stretched, paying off too many automatic payments, hire purchases and other loans, all while inflation is occurring. This can create enormous financial stress which, of course, bleeds into other areas of your life, like relationships. Quickloans have staff specialised in settling all of your existing finance agreements, so you stop getting penalty fees for late payments. If you’re getting penalties, then more interest, then more fees, it’s a never ending battle for you.

Improve Credit Score & Consolidate Your Debt

We solve the problem and refinance all of your debts into a single payment (consolidate debts), which is often at a lower interest rate, and affordable for you.  Debt consolidation loans are created to help you get debt-free and worry free, so if you’re needing financial relief, consolidate debts now. If it feels a little too personal just to apply online, that’s no problem. Drop into our office in Christchurch, at 3 Shirley road and we’ll happily talk you through the process.

Consolidate debts for an affordable solution with fast settlement.

When consolidating debts, we’ll contact your debtors and make an early repayment on all bills you have. We then work with you to find an affordable repayment for the loan that replaces your old ones. WE find an amount that can work within your affordable budget. – even if you’ve been refused in the past.

  • Get approved for debt consolidation loans within 60-minutes
  • We consolidate debt by taking care of your bill payments within 24-hours.
  • Loan application take only 6-mins on average to complete
  • Advice from registered financial advisers on how to pay down your debt fast.
  • You’ll get just one payment that’s affordable to manage


Get Out Of Debt & Take Control Of Your Finances

Let us help you reduce your ‘bill-stress. Simply apply for debt consolidation loans by clicking the ‘Apply Now’ button below and entering your details. It takes just 5-minutes and you’ll hear from one of friendly staff in the next 90-minutes with a result and we can start to consolidate debts immediately.

NZ Customer Reviews

Fast, Easy Loans For Kiwis

Applying for your new loan is easy. Get access to your digital loan documents with privacy.



Complete our quick and simple loans online application form in only 7 minutes.



Your application is assessed by human – not a computer who’ll call you back within 60 minutes.



If your loan is approved, you’ll get access to digital loan documents and the money will be paid into your bank account, subject to the responsible lending code and affordability.

Getting started takes only 5 minutes. Our online application form for loans online is fast & easy.


Debt Consolidation FAQs

Who qualifies for debt consolidation?

People with more than one debt who want to reduce their monthly payments by consolidating their debts into one loan with a lower interest rate usually qualify for debt consolidation. You must also have a good credit score and a steady income. You will also need to provide collateral, such as your home or car.

How does debt consolidation work?

Consolidating debts works by combining all your debts into one single loan, which can help you manage your repayments more easily. This can be a good option if you have multiple debts and want to try and reduce the interest you’re paying overall. It’s important to remember though that you’ll still need to make repayments on the loan, and if you miss any then you could end up in more debt than before.

What are the disadvantages of consolidation?

The main disadvantage of debt consolidation is that it extends the length of time you will take to repay your debts. This may result in you paying more interest overall, although the monthly payments may be lower. Another potential disadvantage is that your credit rating may be affected if you struggle to make the monthly repayments on your new loan, but they’re designed to repair your loan, so just make sure you can make every single payment.

What are the benefits of consolidating debts?

Consolidating debt can simplify your finances by reducing the number of payments you need to make each month and can lower your overall interest payments. It can also help you pay off your debts faster in a more manageable way, and improve your credit score by reducing your credit utilisation ratio.

What are the terms and conditions when financing with QuickLoans?

The first thing to note is that we are a responsible lender and we’re governed by the responsible lending code of New Zealand. If you’d like detailed information about our terms and conditions, please follow this link.

Can I consolidate an existing personal loan I have with you?

Yes, you can. Of course, you’d want to combine it with all of your other bills and credit card debt too.

What is your lending criteria and loan terms.

If you’d like to read the loan terms in detail, please go to our footer and follow the link. As part of our lending criteria, you’ll need to provide security to cover the value of the finance you require. We also require you to have a good credit history. Conditions apply, of course.

What types of debt can be combined?

Various types of debt can be combined, including credit card debt, medical bills, personal loans, and more. We roll them into one simple loan with a manageable repayment plan.

How does combining debt work?

Combining debt involves taking out a new loan to consolidate and pay off existing debts. You then will be making payments on the new loan at a lower interest rate.

Are there any drawbacks to combining debt?

One potential drawback is that extending the repayment period may result in paying more in interest over time. Also, underlying spending or budgeting issues must be addressed to prevent future debt. Talk to us for further explanation.

Can debt be combined with bad credit?

It may be possible to combine debt with bad credit, but collateral or a co-signer may be required to qualify for a new loan.

Easy, Fast Loans With Our ‘Digital Signature’ Service


You’re busy. We get that. That’s why you can sign for, and receive your funds, without even leaving your house. Our digital- signature service provides an even more stress-free, convenient service for you. If you’ve got a smart-phone or a computer, you can apply and get approved today! Click here to start the process.