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Personal loans Debt consolidation

debt consolidation LOANS

Start simplifying your debts.

Fixed interest rates from 6.99% p.a. to 19.99% p.a. (plus an establishment fee of $150).¹

Won’t affect your credit score

Canstar winner 7 years in a row
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CANSTAR 2020 Outstanding Value Personal Loan
CANSTAR 2021 Outstanding Value Personal Loan OL

We make managing your debt easier and fairer

Consolidate debt, 100% online in minutes - 24/7.

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Simplify your finances by combining multiple debts into one easy repayment schedule.

Note: When a debt consolidation loan is approved & paid, Harmoney will pay off your debts directly to your nominated creditors, rather than into your bank account.

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Consolidating high-cost debts into a single one-interest-rate loan can help you get back in control of your finances.

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Is your current interest rate too high? Our fixed-rate personalised interest rates are calculated based on your financial profile and may be lower than what you’re currently paying.

What our customers say

5.0 Harmoney is helping me get out of debt faster and I'm grateful for that. Thank u ever so much Harmoney. New Zealand
5.0 I've used Harmoney for years, the best user experience in the industry. The website design has improved consistently every few months. The speed of transactions is next to none, and they've helped me achieve lower interest rates year after year. Without Harmoney I would have never escaped my two loans + two credit card debt spiral.

Go Harmoney!
new zealand
5.0 Thank you Harmoney. I can now consolidate my debt and pay less interest new zealand
5.0 Excellent service. Delighted to get these debts into one manageable payment at a competitive interest rate new zealand
5.0 Saved my bacon.. Now serious work to decrease my debts. new zealand
5.0 I love and appreciate how hassle free this entire process is. I also appreciate that your customer service team are really helpful and non-judgemental. Thank you for helping me consolidate some of my debts. I really appreciate it. new zealand
5.0 Prompt and hassle free service. Thank you for making consolidation of debt super smooth and stress free. new zealand
5.0 Great to be able to consolidate debt so easily (due to my high credit score rating), all of it done online. This is the 3rd time I have done this and it seems to get easier each time as I get more experienced at filling out all the information required.

Repayment schedule is more than reasonable and I'll have plenty of opportunity to pay back the full loan with my house due to be sold at the end of 2023. This debt consolidation will give me more opportunities for home improvements before I sell so I am really likely to make back all my money (including interest repayments) long term. It's certainly one of the safest financial decisions I have made in my 40 years of banking etc.. (i.e. I am 60 years old)

Additional Comments (post-loan completion)
Thanks hugely for funding my most recent loan consolidation. There are lots of reasons why I did this through Harmoney:

Firstly, I was able to borrow money from Harmoney that I could not get from my bank even though my credit rating was 1000. I can understand their cautious approach as an owner/occupier but their approach didn't benefit me. The reality is that I'll be selling my home in 2.5 years anyway and I needed to take some calculated risks financially to do that anyway. The term of my loan with Harmoney is 5 years so it's going to be pretty satisfying to pay all the money back - $40 000 at the beginning of 2024.

Secondly,the ease with which all of this can be done online. True, I am a digital technology teacher and therefore familiar with dealing with most of the questions but what I was not prepared for was the speed of the whole process.It's quite sobering how fast credit checks and bank accounts can be completed when done with digital technologies

Thirdly, I quite liked the fact that I didn't have to front up to a bank mortgage broker face-to-face as it's a lot of avoidable emotional energy that I don't want to spend there (and it's never pleasant getting a 'no' to both parties).

Fourthly, if my application failed here with Harmoney, few would know - my bank would be none the wiser anyway - but the same learning would still have taken place for me which in turn would have helped me set new goals anyway, financial and otherwise.

I'm still not close to my financial goals for my lifetime but I'm still a lot further ahead than most my age in planning and providing for my retirement. Investing in my ChCh house will certainly help bring it up to a better standard when I'll be selling it in 2.5 years (Christmas 2023)

Thanks again for financing this and I am quite sincere in this. The reality is that no bank would have advanced this money for me and you are the best of all the NZ lenders that I have dealt with in my time as an almost 60 year old.

Canterbury, New Zealand
5.0 Very efficient and easy way to sort debt consolidation.
Thanks I’ll highly recommend
New Zealand
5.0 Real helpful in helping manage my debts into one small easy to manage loan! New Zealand
5.0 Quick and easy debt consolidation New Zealand
5.0 Due to having the help of the Harmony customer service and call center for the awesome work in guiding me through the process whilst online, cause not a savvy technology person,I thank you for your services and patience, alongside of what I have learnt throughout the process of consolidating my debts. New Zealand
5.0 OMG! Very fast and easy to fill out and it got accepted within minutes. I am so glad my worries over my debts can now be combined into one payment. Thank you so much Harmony for making things so much easier. New Zealand
5.0 Quick and fast way to consolidate debt New Zealand
5.0 Perfect Service, cant express how relieved iam after debt consolidation. Thank you heaps :-) New Zealand
5.0 Excellent process and your interest rates are very competitive, I would definitely relook at using your services in the future for further consolidations and house renovations. New Zealand
5.0 Fantastic service. Thanks for making debt consolidation so easy. I would highly recommend this service New Zealand
5.0 I like the no-call and everything is done online. Some lending companies will call you and embarrass you over the phone bec you got debts. I love harmoney New Zealand
5.0 Im very pleased you rang to inform me of your offer and information on consolidation. New Zealand
5.0 Oh my! I am so impressed how efficient Harmoney is. When we needed funds to pay debt & household items. The application was easy, fast & the customer service was excellent. Highly recommended. Auckland , New Zealand
5.0 Made it easy with uploading statements and pre populating debts New Zealand
5.0 Fast, harmony is definitely the place to go when you need to consolidate debt at a personalised interest rate that fits you. New Zealand
5.0 Easy to use platform, harmoney has provided our family with the means to consolidate debt and purchase a car. Thank you harmoney for being there when we needed you! Auckland , New Zealand
5.0 It was great to get a loan and tahnk you, but if you take too long in the debt section it times out and does not save your information, it was very frustrating. Thanks, Sofia New Zealand
5.0 Pretty easy system, not sure about the bank details piece though need more explanation around the accounts for the consolidation. New Zealand
5.0 thank you! I am so grateful harmony really has helped us in more ways than I can even express. All contact I had online and on the phone has been very professional and very friendly very knowledgeable and helpful! I do highly recommend harmony and would not go elsewhere if I needed money to help us we consolidate our debt. So from me to you massive massive thank you. Auckland , New Zealand
5.0 I have been with Harmoney for a while now this is my 3rd top up, i have been slowly chopping away at my debt with my loans as well as living life. My last top up was when my daughter inlas got cancer & I went to be with her, my son & grand children for awhile during that time. As always application has been so easy. Thanks Harmoney! New Zealand
5.0 Fantastic. I am more determined to pay off my debt faster due to instant approval. So Thank you, Thank you & Thank you. Auckland, New Zealand
5.0 Thank you for considering my application. I just want to save and get ahead. I’m tired of being in debt. Consolidating is the final option, New Zealand
5.0 I now have the opportunity to save aggressively for my upcoming wedding, harmony has given me the chance to do this by consolidating all my debt which I didnt think was possible. As a result the wedding is back on track and almost paid me, thank you so much harmony for assisting in making our big day possible :) Canterbury, New Zealand
5.0 Fastest deb consolidation I have ever done New Zealand
5.0 Thank you for giving me a chance and approving my loan. I have been applying for a debt consolidation to make things easier but could not get approval. Thank you so much again Harmoney, AMAZING as always! New Zealand
5.0 This is my 2nd top-up and still cant believe how easy it is, from my initial consolidation loan which helped my family immensely to this loan which is in time for my daughters 21st birthday this weekend. Also with this loan we were able to pay for flights to Samoa for my Mums 60th as well as putting money aside for other birthdays this year being a 11th,12th, 16th,18th and my grandsons 5th.
Thank you so much Harmoney. using the voice of Arnold, I'LL BE BACK.
Auckland, New Zealand
5.0 Thanks Jarmoney. I owe you a debt of gratitude (plus my loan heheheh) New Zealand
5.0 Entering account details or credit card debt consolidation is confusing. My bank stated Particulars is the first 8 numbers on my credit card, Code is the last 8 digits & reference is my surname and initials. There is only two options "code" & "reference" & the code box doesn't allow the full credit card number to be entered. New Zealand
5.0 really great easy to use website, I have enjoyed the experience and consider Harmony my partner to getting a consolidated debt plan New Zealand
5.0 Greatful that we get to consolidate all debts into one easy payment! Thank you so much for the hard & fast service! New Zealand
5.0 After weeks of anxiety around approaching a provider for dept consolidation, Harmoney was super easy and not at all stressful. I was very grateful for the seamless process. New Zealand
5.0 Harmoney have been great for me, consolidating my debt and now allowing me to top up my loan for important purchases , New Zealand
5.0 This is incredibly modern and user friendly. I am super impressed with the entire concept and how the system is set up. Amazing stuff! Futuristic and helpful. The interest rate in my case was 27% and I hoped for lower interest, perhaps 18%. But nonetheless Harmony has helped me get it my way when all traditional banks and finance companies couldnt care to help me. Now I am in control and can sleep at night knowing I can afford my repayments and live a normal life, start saving again to repay the loan faster and be debt free sooner with no stress. Harmony approved me and the money was in my bank account the same day! All done on my phone in my lunch break. Simply amazing! Felt like a blessed miracle to consolidate my debt so efficiently and so quickly. It's been months of struggle and now I am at peace with my circumstances. THANK YOU HARMONY Auckland, New Zealand
5.0 I started my application three times the over about 5 months, I really needed to consolidate my debts but was scared and embarrassed at the amount I needed. This time I completed my application. WOW Harmoney it was so easy and no one made me feel bad, the process of being able to clear more than I thought for way less that I pay now, we will be debt free in 5 years. THANK YOU SO MUCH Harmoney and the Lenders, maybe I will become a lender to so I can help others like myself. Marton, New Zealand
5.0 A bit confusing when entering debt consolidation - credit card info - but sorted quickly - Thanks. New Zealand
5.0 Due to such a variety of loan consolidation on our part it has taken a while. However the Harmoney Team have been very supportive, helpful and pleasant to deal with. Thank you! New Zealand
5.0 Extraordinarily fast and efficient. Light years ahead of GE money - who is one of the debts I'm consolidating. New Zealand
5.0 easy quick and great. Definately recommend to others wanting to consolidate debt. Hawkes bay, New zealand
5.0 Always exceptional. I have used Harmoney for House Renovations, a near new car and debt consolidation. The convenience and speed is unmatched. New Zealand
5.0 Harmoney has helped me a lot this past few years in refinancing my debts. Quick and easy applications. Thank you Harmoney! New Zealand
5.0 The whole process is super easy and very transparent. There are no hidden costs or fees and Harmoney is up front about everything. I'm going to save lots of interest on my credit card debt and actually reduce the balance! From application to funds being in my account was just under 24 hours - I am highly impressed at the ease of use and would recommend Harmoney to friends and Family. Thanks!! , New Zealand
5.0 Despite an initial hiccup with the consolidation of a previous loan, Sahil has been absolutely amazing. Thank you to Sahil and Ryan for this transaction. New Zealand
5.0 So far this has been an amazing experience. This debt has been hanging over my head and now I have control over my finances again. New Zealand
5.0 Sooooo easy! I can feel the pressure of debt lifting already! Auckland, New Zealand
5.0 Thanks again. This will really help me get on top of my debt :) New Zealand
5.0 So easy, and am so happy to have been able to quickly consolidate debts New Zealand
5.0 Made my life so much less stressful.
What a sense of relief all my debt consolidation all under one loan.
Great interest rate which out did all banks and I was able to sleep a great night sleep the fact the loan came though and cleared all my numerous accumulating debt.
I can now how a much simpler life and a direction moving forward and know where I am at
Thank you Harmoney.
Northland, New Zealand
5.0 Overall good experience, splitting the consolidation is not easy to set as I like. New Zealand
5.0 Thank you Harmoney, you make life so much easier, debt has been hanging over my head for a very long time and you have lifted a heavy stress load from our shoulders - simply amazing and Keni I dealt with unbelievable - outstanding service and he should get an award for amazing customer service and knowing his customers was the key too. Auckland, New Zealand
5.0 Applied Thursday night, funded Friday morning and received the funds Friday night. Debts I required it for were cleared/paid in full a few minutes later via internet banking! Had heard loads of good things about Harmoney and that story continues with me. As a borrower I found Harmoney a smooth, well-explained and easy-to-follow experience. , New Zealand
5.0 Can't believe how quickly and effortlessly this happened, all digital and was approved so quickly! Then my loan was funded within a day... simple and clear terms and great contact from the team. Would recommend to anyone who wants to buy a new bike, consolidate debt or start a business like I did. Auckland , New Zealand
5.0 Awesome and efficient service. Better then the banks especially when looking to consolidate all your debts. Will definitely recommend Harmoney to family and friends. Auckland, New Zealand
5.0 Very good service and support from harmony whilst thinking about consolidation Marlborough, New Zealand
5.0 thank you for helping to clear all my debt New Zealand
5.0 Thanks to Harmoney I can get debts paid, even with an old debt still on record. Harmoney is the only place that would consider lending me money, because of the 5 year hold that collection agencies put on you.
Horowhenua, New Zealand
5.0 looking forward to clearing the debt , new zealand
5.0 Wasn't really shopping to be perfectly honest, it was easy, but more like restructuring debt. Very simple though. New Zealand
5.0 You need to make it much more clear what is teh code and reference for credit card consolidation New Zealand
5.0 Its been incredible taking a stressful situation and providing a solution. I will be using my budget advisor more to ensure I can reduce debt. New Zealand
5.0 Very helpful ( I needed help!) and such an easy transaction. Honestly, if you are looking to consolidate debt or just buy what floats your boat, Harmoney are playing the right tune!!!!!!! :) Auckland, New Zealand
5.0 The process was quick and painless so far, and I am happy for the opportunity to consolidate my debts at a lower interest rate! New Zealand
5.0 omg this process was so easy i can't even thank you for helping me be able to breathe again. debts are paid New Zealand
5.0 Good system, but I am a little disappointed the maximum amount allowed was much less than my application. Now I will still have to find other funding for the rest of my hight interest credit card debt. New Zealand
5.0 Absolutely the best service to target debt consolidation... overnight! Money were in our account same evening, no stress during the whole process. We are more than thankful to Harmoney for changing things around for us so quickly! Recommended to anyone! , New Zealand
5.0 I LOVE Harmoney. Seriously impressed with this way of lending. We have consolidated all of our debt with you and it has been the BEST thing we have ever done. Top effort! New Zealand
5.0 cant wait to consolidate all my debt to one payment going to be fantastic.. New Zealand, North island

Simple, 100% online

1. Get to know you

Tell us about your debt consolidation goals, a little about yourself and your personal finances to start us off.

2. Get your quote

We will create a personalised quote with all the important details including the loan term, interest rate and repayment plan.

3. Get your money

Once you’ve approved your quote, we will get a few more pieces of information from you, then send through your loan. Most loans are fully funded within 24 hours.

What we offer

$2K - $70K

Loan limits
3 or 5 years

Loan terms

Establishment fee

Early repayment fee
  • Fixed interest rates from 6.99% p.a. to 19.99% p.a.¹
  • Establishment fee of $150
  • You can repay weekly, fortnightly or monthly
  • Your rate is fixed for the life of the loan
  • All loans are unsecured

Quick debt consolidation estimate

Discover your new rate and single payment estimate with our debt consolidation calculator.

Debt consolidation loans customised to your needs

We work with you to create a personalised debt consolidation loan.

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Your debt consolidation loan will have a personalised interest rate based on your individual credit assessment.

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Once you have approved your quote, your debt consolidation loan should be fully funded within 24 hours.

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100% ONLINE – 24/7

Every step from application to receiving your loan takes place online.

Common debt consolidation questions

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What is debt consolidation?

Debt consolidation is wrapping up multiple loans into a single loan with one regular repayment. Consolidating debt can help to make your life easier, as well as give you the chance to lower your interest payments and avoid penalties for missed payments.

Why do you need to know my goal when I go for a debt consolidation loan?

Knowing what your financial goals are means we can help you to meet them.

A debt consolidation loan from Harmoney could help you achieve one or more of the following:

  • pay less interest

  • make smaller repayments each month

  • simplify your debts with one easy-to-manage loan

Can I repay my debt consolidation loan early?

Yes. You can choose to pay back your debt consolidation loan early if you want to, with no early repayment fees. We encourage borrowers to pay off their loans sooner if they can, so they can save on interest costs and enjoy freedom from debt.

How many debts can I consolidate?

You can consolidate as many debts as you want to with a debt consolidation loan, as long as these are covered by the maximum loan amount. Each borrower’s loan limit will be based on their individual circumstances.

Should I use my mortgage to consolidate debt?

Taking advantage of a low mortgage rate can be appealing and is an option worth considering. However, any benefit a low rate may provide could be lost if the amount borrowed is paid back over a longer term with more interest payments. Consolidating debt using a home loan but continuing to make the minimum mortgage repayment could mean you end up paying a lot more for the privilege.

What is the difference between debt consolidation and refinancing?

Debt consolidation and refinancing are very similar, as in both cases, existing debt is transferred into a new debt so the borrower can take advantage of things like a better interest rate, lower repayments or a more flexible loan term.

This is usually referred to as refinancing if only one debt is involved, such as a property loan or other high value asset. Debt consolidation normally refers to multiple loans being refinanced, but this isn’t always the case – borrowers may also use a Harmoney debt consolidation loan to “refinance” a single debt.

About debt consolidation loans

Debt consolidation is useful for many people, but no financial option has a one-size-fits-all benefit.

Debt consolidation loans offer a more manageable option for people with multiple debts – from loans, credit cards or elsewhere – that helps them reduce stress and typically repay their debt more quickly and efficiently.

What is a debt consolidation loan?

Debt consolidation is a way to take multiple debts and combine them into a single loan. Although this combined loan will be bigger, you’ll only have one repayment date to remember and can sometimes attract a smaller interest rate.

For example, having multiple credit cards can be tricky to manage. They’ll likely have different interest rates and fees, and any the interest free periods may vary. On top of that, there’s the monthly repayments, which may have different due dates, and it may be difficult to understand how long it will take to pay off the debt.

Combining those credit cards into a single debt consolidation loan is easier to manage. And if you’re trying to get rid of debt, you’ll know when your last repayment is due. Just remember - if your goal with debt consolidation is to reduce debt it can help to reduce access to credit after consolidating - it might be time to cut up those cards, or reduce their limit to cover emergencies only.

How does debt consolidation work?

A debt consolidation loan provides money to pay off existing loans. So instead of having to meet multiple repayment dates throughout the month with various interest rates, you just have to make one monthly repayment.

Once debt is consolidated into one loan it can look daunting, but in reality it’s the same amount of debt - it’s just in one place. This can make things easier to manage, with fewer fees to pay.

Debt consolidation doesn’t remove debt, but it can help make it easier to manage.

If being debt-free is a goal, reducing access to credit after consolidating debt - by retiring credit cards or closing credit accounts - can be a good move.

How does a Harmoney debt consolidation loan work?

Like all personal loans on Harmoney, we look at your financial and personal situation when assessing your quote or loan application.

Part of the process involves us asking for details of all your existing loans. Should you approve Harmoney’s quote (including interest rate and repayment terms), we’ll then pay off the loans and debts listed in your loan agreement. This may be all your debts, or only some of them - it depends on the approved maximum loan limit.

When managing their Harmoney loan, borrowers can log onto the borrower portal, to see their total debt balance as well as their next repayment dates and totals.

Things to consider if you’re looking at consolidating debt

What are your current monthly repayments?

By working out how much you’re currently paying, you can compare your current situation with the quote Harmoney provides to see which is more favourable to you.

How much interest are you paying and what are the fees?

As well as how much you’re paying back, you should consider the interest charged on your loan. You may find a debt consolidation loan reduces your payments over time.

What is your credit like?

With a Harmoney loan, approved borrowers with an excellent credit history are generally offered lower interest rates. So it’s a good idea to develop or maintain good credit behaviour - reduce unused available credit, be selective about applying for credit, and keep up to date with all bill payments.

What income is available to service a loan?

It’s important to show you have enough income to service a loan, above and beyond other outgoings you have. Therefore, it can help to reduce any outgoings that aren’t necessary. Not only will it leave more in your pocket, it will be available to help service a loan should you need one.

Debt consolidation vs refinancing

Debt consolidation and refinancing are very similar – they’re both ways to assess current debt levels and to restructure that in your favour.

In most cases, refinancing refers to just a single debt – like your mortgage – while debt consolidation is about combining multiple debts into one loan.

Debt consolidation options

There are different ways to consolidate debt. Here are three of the most popular:

Debt consolidation personal loan

A personal debt consolidation loan means you take out a new loan to replace your existing debt.

On Harmoney, all loans are unsecured (meaning you don’t risk any of your assets when you take one out) and you can choose between repayments over three, five or seven years.

When looking at debt consolidation loans, be vigilant with terms and conditions. Among these, you want to make sure you understand the interest rate, any fees and what your repayments will look like.

Refinancing by putting the debt on your mortgage

Because mortgage rates tend to be lower than other loans, some people like to increase their mortgage to pay off other debts.

As always, the devil is in the detail. Even though a mortgage may have a lower interest rate than a personal loan, because the loan term is much longer, you may end up paying a lot more in interest fees.

Credit card balance transfer

Many credit cards offer a low-interest or even an interest-free introductory offer, which entices some people to move their debt to a new card.

However, once that offer is over, the interest rates on credit card debt are some of the highest on the market and, if the debt isn’t paid off quickly, it can quickly become very expensive.

What kind of debt can be consolidated?

Almost any kind of debt can be consolidated into a personal loan on Harmoney.

Some of the most common debts include personal loans, credit cards, car financing and buy-now-pay-later balances.

When applying for a debt consolidation loan on Harmoney, you’ll be asked to list the debts you want to include in your loan. These will be reviewed and you’ll be told which can and can’t be included.

How to get the best from a debt consolidation loan

Reduce your monthly repayments

When you have multiple loans and credit cards, it’s likely that you have lots of repayment dates. The more admin you have to take care of, the easier it is to miss a repayment and face a late fee.

With a debt consolidation loan, you place all of your debt into one loan. It’s a lot more manageable for many people because there’s just one monthly repayment to make.

Pay it off sooner and save

Debt consolidation loans are normally paid off quicker than multiple loans, for two reasons.

One is that there is a fixed end date. You’ll know that so long as you meet all your repayments, a loan through Harmoney will be paid off within three, five or seven years. With a credit card, there is no end date attached to debt, so repayments and interest accrual can continue indefinitely.

As well as that, with just one payment to make, it’s easier to chip away at your debt and even pay it off ahead of schedule. Without having to hold anything back for other debts, you can add a little bit onto your monthly payment or put a lump sum towards reducing the total.

Reduce your credit limits

Each credit card you own adds to the amount of total credit you can access. This can work against you when applying for loans or mortgages – even if the balance on all of them is zero.

Reducing the amount of credit you can access (by retiring credit cards, for example) or taking out a debt consolidation loan, could go towards building an even stronger credit history and opening the doors to more financial products and service in future.

Consolidate debt today

Taking control of your debt is the first step to being debt-free.

Types of loans

Harmoney has a personal loan for almost anything you need.

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Whatever vehicle you want to buy, whether it’s new or used, a car, van, ute, motorcycle or motorhome, a car loan can help get you on the road.

Find out more

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Education can be expensive. An education costs loan can help with tuition fees, accommodation, computers, equipment and living expenses so you can focus on learning.

Find out more

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Refinance your existing debts into a single debt consolidation loan, with one interest rate and repayment schedule.

Find out more

Holiday icon v3

Ready for a getaway? Get the cash to book your accommodation, flights and activities with a holiday loan.

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Whatever business expenses you have an online business loan from Harmoney can help.

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Find out how a medical loan could ease the financial burden of your medical expenses.

Find out more

Renovation icon v3

Don’t delay, get the ball rolling on your home improvements with an online renovation loan.

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Wedding icon v3

Create a day you’ll remember forever with the help of an online wedding loan.

Find out more

We're real people and here if you need us

If you need help, just give us a call on 0800 427 666 or jump on to online chat and one of our more than 30 specialists will be there to lend a hand.

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Terms and conditions

1. Subject to approval and funding. Harmoney’s interest rates are offered based on the individual borrower’s credit assessment according to Harmoney’s credit scorecard. In order to be approved and list your loan you must meet Harmoney’s credit criteria and responsible lending requirements. Fees, charges, terms and conditions apply. 99% of loan applications are funded within 24 hours of loan terms being accepted (based on loans submitted in 2021).