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Debt Consolidation Loans – Debt Consolidation NZ

If the credit card is chocker, bills are coming out your ears or you’re sick and tired of paying too much interest rates on your payday loan, then a QuickCash debt consolidation loan could be just the thing for you.

By bundling all your bills into one simple loan, you only have to worry about one repayment. And, depending on your debts, you may save money by making regular repayments on your QuickCash loan rather than on-again off-again payments on a bunch of different ones. Debt consolidation loans can be approved and advanced in under an hour, but we think it’s best to sit down and have a chat about your full range of options. Maybe even speak to a budget advisor to make sure you’re on the right track. We understand that a lot of people have a poor credit rating and want to pay their debts to clean it up. Depending on your circumstances we can do bad credit loans to help you improve your credit rating.

Consolidate your bills with a debt consolidation loan

As with our other loans, the debt consolidation loans have one fixed interest rate for the entire term so your repayments won’t go changing unexpectedly. Also, just because we want to help you get out of debt, we won’t charge any early repayment fees. So if you come across a few spare dollars and want to get rid of your debt, you can do it without any unexpected charges giving you grief.

To speak to a real person call 0800 784 252 or flick through an application by clicking ‘Apply online‘ and we’ll get back to you within 25 minutes (during business hours).

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Financial Service Provider: FSP19463
Disclosure - Costs of Borrowing
Annual interest rates

At QuickCash our interest rates are set according to the Loan to Value Ratio (LVR), using the amount borrowed and the security available. We never change a fee for early repayment and our interest rates are fixed to provide certainty throughout the life of your loan. Below is a table showing the Annual Interest Rates (AIR) for each security type and LVR.

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Security/LVR0-20% LVR21-40% LVR41-60% LVR61-80% LVR81% + LVR
Residential first mortgage
(with registered valuation addressed to QCFL)
12.5% interest16% interest18% interest20% interestN/A
Residential first mortgage14% interest16% interest18% interest20% interestN/A
Caveat21% interest23% interest25% interestN/AN/A
Motor vehicle, boat, caravan, processing plant or other16% interest18% interest26% interest26% interest26% interest
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