Need to refinance your debt?

When many people think of the word refinance, it’s typically thought it’s for mortgages.

Sure, we can refinance your mortgage, but our core business is helping people just like you to refinance debt. That’s right, take all your debt: car payments, credit card balances, charge cards and wrap them up into one payment that is aligned to your pay cycle.

Take the stress away in just a few minutes – yes, our application form takes less than five minutes. In fact most of our loans are completed and paid out the same business day.

No queues, no appointments – simply apply online now, anytime, 24/7.

Click the Apply Now button to get started – If approved the funds could be in your account in just a few hours.

Apply Now


  • 18 years or over
  • NZ resident (citizen/permanent residency)
  • Be earning, employment or self employed

How to Apply for a Refinance Personal Loan

  1. Check your eligibility above and complete our online application
  2. Provide any required documents such as payslips and identification following your application (we’ll be in touch)
  3. Accept the contract provided
  4. Typically within 24 hours of your contract acceptance, funds will be in your account

Quick Questions

How much will the interest rate be to refinance my debt?

That all depends on your overall circumstances, if you’ve got good credit your rate will be lower than someone with good credit for example.

Is this fully online?

The online application process is, but of course a human does get involved at our end, call us old-fashioned. You’ll be assigned your very own consultant who will go through your loan application with you and obtain your ID and other information. You can also email your last two months bank statements if you have them, alternatively we can send you a link to download and send your statements directly to us.

Who will see my application?

We treat your application confidentially and the only people who will see your application are our team and any Finance Company that we send it to. All applications that do not proceed are securely destroyed.

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