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Debt Consolidation Loans
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Debt Consolidation Loans – Debt Consolidation NZ

Are you finding it over complicated or overly difficult paying off multiple outstanding debts or bills? At QuickCash, we provide debt consolidation loans which might be the single solution that you are seeking for.

The Debt Consolidation NZ service provided by QuickCash bundles all of your bills into one single loan so you just need to make one single repayment. This saves your precious time and effort.

Normally this service which we are able to offer can be approved within an hour. However, it is best to actually sit down and have a chat to understand your unique scenario and provide you information of the full range of options as per your situation. We encourage you to also speak to a budget advisor to keep you on track to help you finance so that you can pay off your debts.

The debt consolidation NZ loans service that we offer is most helpful for those who have numerous debts, have accounts with high interest rates paid monthly or receive frequent calls from debt collection agencies. On the first hand, debt consolidation loans take care of frequent calls so you don’t have to worry about that phone ringing for debt coverage.

Consolidate your bills with a debt consolidation loan

Like other cash loans we offer, we keep things transparent from the beginning with fixed interest rates throughout your payment period. So, you don’t have to worry about the interest rate for your loan changing and therefore having to pay more money. We also let you free of the early repayment charges so that you can clear your debts as soon as you comfortably can.

You can talk to our friendly and dedicated staff to get information about debt consolidation loans by calling 0800 784 252 now or you can apply online.

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Financial Service Provider: FSP19463

Disclosure - Costs of Borrowing

Annual interest rates

At QuickCash Finance our interest rates are set based on whether a loan is Secured or Unsecured.

For Secured Loans the Annual Interest Rate (AIR) is 29.99% p.a

For Unsecured Loans the Annual Interest Rate (AIR) is 34.99% p.a

 

Google Ads Financial Services Policy

We have provided a representative example of the total cost of a typical loan as well as an Annual Percentage Rate (APR) showing different costs of our loans.

Your loan contract will clearly show all costs involved with your loan, as required under New Zealand’s Credit Contracts and Consumer Finance Act.  Under that Act, your disclosure statement shows an annual interest rate (AIR) as a percentage and that rate is made up only of the interest.  It does not include credit fees.

However, in order to comply with Google Ads Financial Services Policy, we have detailed the APRs below.

In our sample loan, if you borrowed $5,000 and repaid it over 52 weeks, the total amount you would repay would be $6,315.56.  This is made up of $839.36 of interest, $226.20 of administration fees and $250.00 for the establishment fee.

The Annual Interest Rate (AIR) of this sample loan is 29.99%. However, when we calculate the Annual Percentage Rate (APR) which includes interest, credit fees and what the total is that you’ll repay: the APR is 26.31%.

QuickCash Finance has a minimum loan term of 52 weeks (365 days) and a maximum loan term of 3 years (1095 days). We will always allow you to repay your loan early with no prepayment fees.

You can view an example of our standard credit contract and disclosure statement on our Disclosure Page.

Or if you would like an individual loan quote please call us on 0800 784 252.

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Security/LVR Residential first mortgage
(with registered valuation addressed to QCFL)
0-20% LVR 12.5% interest
21-40% LVR 16% interest
41-60% LVR 18% interest
61-80% LVR 20% interest
81% + LVR N/A
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Security/LVR Residential first mortgage
0-20% LVR 14% interest
21-40% LVR 16% interest
41-60% LVR 18% interest
61-80% LVR 20% interest
81% + LVR N/A
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Security/LVR Caveat
0-20% LVR 21% interest
21-40% LVR 23% interest
41-60% LVR 25% interest
61-80% LVR N/A
81% + LVR N/A
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Security/LVR Motor vehicle, boat, caravan, processing plant or other
0-20% LVR 16% interest
21-40% LVR 18% interest
41-60% LVR 26% interest
61-80% LVR 26% interest
81% + LVR 26% interest
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For a further breakdown of fees click here