How to Smarten Up About Bad Debt

You’re not alone

In today’s world, juggling multiple debts is more common than you might think. From credit cards and personal loans to buy-now-pay-later services, it’s easy to find yourself owing money to several lenders at once.

Add everyday living expenses—like rent or mortgage payments, groceries, and utilities—and it can quickly start to feel overwhelming. Finding enough to cover repayments (let alone remembering when they’re due) often feels like a stretch.

A better way to manage debt

Carrying a large amount of debt isn’t ideal—but there is a smarter way to get it under control.

Debt consolidation won’t make your debts vanish overnight, but it can simplify your financial life and help you regain control.

By rolling your existing debts into one loan, you’ll have just a single repayment to manage, with one interest rate, and one due date. That means no more juggling multiple lenders, rates, or surprise charges.

Even better? With one interest rate instead of several, more of your money goes toward paying down what you owe—so you could become debt-free faster.

Why choose Harmoney?

Our debt consolidation process is simple, 100% online, and available 24/7. You’ll get a personalised rate based on your circumstances, not a one-size-fits-all number.

Thousands of Kiwis have used Harmoney to consolidate their debts, reduce financial stress, and start moving forward with confidence.

If you’re ready to smarten up your approach to debt, a Harmoney debt consolidation loan could be the first step toward achieving your financial goals.