Debt Consolidation Loan 

Looking to manage your debt ? want to put all your debt in one simple loan ? Through research and customer feedback loan interest has sourced out some of the best debt consolidation loan lenders in New Zealand. These companies offer some of the lowest debt consolidation rates and are willing to help you get your debt sorted before it gets out of control.

When getting a debt consolidation loan in nz make sure you do your research and find the company that will offer you the best rates and service. Nowadays even the some of the major banks are offering debt consolidation loans with very competitive rates. try them first as they seem to offer lower interest rates then finance companies


There are many companies who provide debt consolidation loans in New Zealand. Listed below are a selected few.

 

Credit Express 

Credit Express NZ is not directly a loan provider; rather an independent finance broker that finds a suitable lender for their customers. They’ve been in operation since 1999 and with a current client base of 10,000, they claim to be one of the best in the industry. Through their access to 18 New Zealand lenders, Credit Express can find one that offers you a consolidation loan that best suits you based on the amount you need, your income, assets and credit rating. You will normally have to provide security against your loan but if you can’t, they can still help you find a lender, and, of course, you’ll have to bring forward a credible case as to how you will be able make your payments. If you provide all the necessary details when you lodge your application, you could get your loan that very same day.

Credit Express NZ’s contact information can be found below:

Address: 54 Heaton Street, Strowan

PO Box 22097

Christchurch 8142

Phone: 0800 499 499

Fax: 03 371 7351

Website: www.creditexpress.co.nz 

 

Kiwi Bank

At Kiwibank, you will be able to get a consolidation loan starting from a minimum of $3,000 and payment terms from 6 months to 7 years. If you need a smaller amount, Kiwibank can offer you the alternative of taking out an overdraft or a credit card with them. You will need to provide security for your consolidation loan, otherwise a guarantor who is able to provide security on your behalf can co-sign the loan with you.

Contact information for Kiwibank is provided below:

http://www.kiwibank.co.nz/personal-banking/personal-loans/personal/

Kiwibank Limited

Private Bag 39888

Wellington Mail Centre

Lower Hutt 5045

 

ANZ Bank

ANZ is one of the commercial bank in New Zealand that provides debt consolidation loans. The minimum loan for debt consolidation is $3000 and they offer payment terms from 6 months to 7 years with payments scheduled weekly, fortnightly, or monthly, at your convenience. ANZ claims to have one of the lowest loan rates amongst banks in New Zealand. You can use the online calculator to give you an idea on your loan size, term, interest rate and repayments before making an application. If you have an account with ANZ, they will directly verify your income during the application process, otherwise, you will be asked to provide information on your income, eg, payslip, employer confirmation letter, your own company’s annual tax returns, etc. There is a $250 loan approval fee and once you have your loan, you can conveniently manage it through ANZ’s Internet Banking and Phone Direct.

If you just want to check what your balance is, simply sign up to ANZ’s Mobile Phone Banking. Any extra payment can conveniently be made through Internet Banking to your loan account from another ANZ account. No fee will be charged for extra payments; however, paying off your loan before the stipulated term is up may incur some extra charges. You may also opt to take out insurance on loan protection, for unforeseen circumstances such as death, disability, redundancy and bankruptcy. This will cover minimum repayment requirements for your loan. ANZ does not provide unsecured loans.

Contact information for ANZ Bank is provided below:

Ph: 0800 54 94 54

Website: http://www.anz.co.nz/personal/loans/debt-consolidation-loan/

 

Avanti Finance

Avanti Finance Limited is a fully New Zealand owned financial provider who is also one of New Zealand’s leading companies who provide debt consolidation loans. They offer tailor-made debt consolidation solutions to suit individual customers and their circumstances. Their lending range for consolidation loans from $1000 - $50,000 and terms of 6 months to 5 years ensure that the needs of many different types of customers are can be met. Avanti will usually respond to an online application within the day.

They can be contacted on the details below:

Website: http://www.avantifinance.co.nz/Debt-Consolidation/

Email:   info@avantifinance.co.nz
Phone:  0800 808 003

Fax:      09 523 6835

Post:  Private Bag 11 917, Ellerslie, Auckland 1542

Address: Building B, Level 2, 65 Main Highway, Ellerslie, Auckland

 

NZ Loan 

NZ Loan offers pretty much the typical range of services comparable to the other consolidation loan providers in New Zealand. After you contact then with you application either over the phone, online of in person, one of the loan consultants will be assigned to make an assessment and come up with a loan and payment plan that you’ll be comfortable with. As with the other loan providers, security is needed against your loan but if you discuss with your consultant and under certain circumstances, exceptions can be made for unsecured consolidation loans.

The company’s contact information can be found below:

NZ Loan

PO Box 22097

Christchurch 8142

Phone: 0800 88 66 11

Fax: 03 371 7351

Website: www.nzloan.co.nz