Simplify your finances

Take control of your debt and pave the way for financial freedom. MatchMe Money can match you with debt consolidation loans in minutes, offering competitive rates and flexible options.

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Your path to financial clarity

At MatchMe Money, we understand that managing multiple debts can be overwhelming. Our debt consolidation loans are designed to simplify your finances and help you take control of your financial future.

One regular repayment

Combine multiple debts into a single loan with one interest rate and one regular repayment.

Save time and money

Potentially lower your overall interest payments and simplify your financial admin.

Stress free finance

We handle the loan application process, so you can focus on your financial goals.

Couple reviewing their finances for a debt consolidation loan

A debt consolidation loan

  • Take control

    Consolidate high cost debt into a single loan

  • Lower repayments

    Our loan repayments may be lower than what you are currently paying

  • Clear end date

    Know exactly when you'll be debt-free with a structured repayment plan

  • Reduce financial stress

    Simplify your financial life and reduce the stress of managing multiple debts

  • Improve credit score

    With regular repayments, you may improve your credit score over time.

How it works

Getting started is simple

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 your funds

We facilitate signing of the loan documents and quick release of funds, helping you streamline your finances faster

Debt consolidation 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

Over 18 years of age
Valid New Zealand passport or drivers license
New Zealand citizen, permanent resident or visa holder
No active defaults, judgements or bankruptcies
$3,000 - $100,000
Loan amount
Up to $395
Establishment fee
10.95% - 29.95%
Interest rates
Up to $995
Introducer fee

View further information about our interest rates and fees.

What is debt consolidation

By consolidating debts you can:
  • Simplify your finances with one easy repayment
  • Potentially reduce your overall interest payments
  • Have a clear end date to becoming debt free
Debt consolidation can include:
  • Store cards
  • Credit cards
  • Personal loans
  • Hire purchases
  • Other high interest debt
How debt consolidation works:
  • Complete our simple online application, providing details of the debts you want to consolidates
  • We'll assess your application and match you with suitable lenders offering competitive rates
  • Once approved, the lender will help facilitate the payoff off your existing debts
  • Enjoy the simplicity of making a single repayment on your new consolidated loan

In case you missed anything?

What types of debt can I consolidate?

You can consolidate various types of unsecured debt, including credit cards, personal loans, store cards, and hire purchases.

Will debt consolidation affect my credit score?

Over time, consolidating your debts and making regular payments could potentially improve your credit score. Checking your eligibility with us won't affect your credit score. We perform a 'soft' enquiry that doesn't leave a mark on your credit report. Your score will only be impacted if you decide to accept a loan offer.

How much can I borrow with a debt consolidation loan?

We can connect you to lenders offering loans from $3,000 - $100,000. The amount you can borrow depends on your individual circumstances. We'll assess your income, expenses, and credit history to determine the most suitable loan amount for your situation.

How quickly can I get a debt consolidation loan?

You can receive a decision in minutes, and once everything is finalised, we can often release the funds on the same day. The more information you provide upfront, the quicker we can process your application.

Who can apply for a debt consolidation loan?

You're eligible to apply if you're over 18, a New Zealand citizen, permanent resident, or valid visa holder, and have a regular income. We'll need to verify that you can comfortably manage your loan repayments.

Still have questions?

Explore our Frequently Asked Questions so that you can make an informed decision about your debt consolidation loan. If you need further assistance, our team is here to help.

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.

Man relaxing on porch after taking out a personal loan with 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.

Important information
  1. Interest rates can range from 10.95% p.a. to 29.95% p.a. for vehicle and personal loans with terms of 12 to 60 months. Your actual rate depends on your circumstances, loan type, security provided, and an individual credit assessment.
  2. Please view our rates and fees. Additional lender fees may apply. 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.
  3. 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.
  4. 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.

Simplify your finances today

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