Smash your debt, not credit score
Stop whacking your score by applying everywhere. Apply once and we’ll find a loan deal that is right for you.
*No obligation, no impact on your credit score
and 100% confidential.
Our Trusted
Finance Partners
Our Trusted Finance Partners
Rated 5 out 5 by Kiwis
Rated 5 out 5
by Kiwis
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OUR DEBT CONSOLIDATION PROCESS
One Form.
Multiple Lenders.
Better Deals.
Want to tidy up your debts and make life simpler? Avoid applying at lender after lender, which can hit your credit score fast. With one safe application, we compare trusted Kiwi lenders to help you combine your debts into one clearer plan with lower repayments.
*No obligation, no impact on your credit score
and 100% confidential.
01. Quick 5-Minute Application
Complete our simple form. It is fast, 100 percent online and safe for your credit score.
02. Compare Multiple Lenders
We check trusted Kiwi lenders to find the best match to consolidate your debts into one manageable repayment.
03. Final Approval & Fast Funding
Accept your deal, sign digitally, and get funds paid directly to your account so you can clear your existing debts and move forward with confidence.
Why Kiwis Choose Debt Consolidation With Us
Why Kiwis Choose Debt Consolidation With Us
We’re loan brokers, not lenders, so we work for you. We look at your whole situation and compare lenders on your behalf to help you land a sharper deal without hurting your credit score.
A Better Rate That Saves You Money
We compare multiple NZ lenders for you so you’re more likely to get a competitive rate. That means lower repayments, lower long-term costs and more money left over.
Protect Your Credit With One Safe Application
Applying in too many places can hit your score. With us, you only apply once and we compare trusted lenders for you without marking your credit file. You get options without the stress of damaging your credit.
Fast Relief So You Can Breathe Again
Debt feels heavy. Our process is built for speed and many customers get pre-approval the same day once documents are in. The sooner everything is rolled into one place, the sooner you can relax knowing you’ve got one clear, manageable plan.
Expert Guidance That Puts You First
Your situation is unique. Our team looks at your debts, income and goals, then matches you with lenders most likely to move you forward. You get honest, straight-up guidance so you can make the best call with confidence.
Consolidate Up to $100k Into One Easy Repayment
Whether it’s credit cards, personal loans, buy-now-pay-later or overdue bills, we help tidy everything into one repayment that’s easier to manage. One loan, one plan, one track to getting sorted.
Clear, Upfront Costs So You Know What to Expect
You’re told everything upfront before anything starts. No hidden fees, no surprises, just simple information so you can feel confident making the right choice.
Calculate Your Interest Savings
See how much faster you could be debt-free. Rates start from 8.99% p.a. for qualified borrowers.
Who Lending Room
Is For?
Ideal for Kiwis who want sharper deals on personal, vehicle, business, or debt consolidation loans with one simple application.
We’re perfect for you if you want:
- Sharper rates and lower repayments because we compare trusted NZ lenders for you
- A loan that won’t hurt your credit score with one safe application instead of applying everywhere
- Fast answers so you can make confident decisions sooner
- Repayments that fit your pay cycle and keep your budget under control
- Clear, upfront costs with no hidden surprises
- A simple, 100% online application that only takes a few minutes
- A friendly team guiding you so you never have to figure it out alone
*No obligation, no impact on your credit score
and 100% confidential.
Frequently asked questions
- Be 18 years or older
- Hold one of these photo IDs:
Be a NZ citizen, resident or have a valid work visa with at least 13 months remaining
Earn at least $600 per week paid into your own bank account
Have a good credit history (some lenders may accept limited history for visa holders)
Yes, you can. If you're on a resident visa or a work visa with at least 13 months left, you’re welcome to apply. You’ll also need to be over 18, earning at least $600 a week in New Zealand, and have a fair credit history.
We work with lenders who are happy to consider visa holders, and we’ll do our best to match you with the right option. Apply online and we’ll take care of the rest.
Yes, if you have a regular income of at least $600 per week after tax paid into your own bank account. Most successful applications are from people in stable employment. Your application will also depend on your loan purpose, affordability and a good credit history.
Yes, for personal loans we do charge a fee, this is called a broker or introducer fee. As every application is unique, the fee charged will vary depending on the work and time spent on attaining the loan approval for you. The broker/introducer fee can be added to the total loan amount and is not required to be paid up front. For home loans we are paid a commission from the bank for successful applications, in some instances where a commission is not paid, then a fee may be charged. All fees that apply to your lending will be discussed with you before you commit to anything.
Use our loan calculator to get a quick idea of your repayments. Just pop in your loan amount, term, and rate. It’s only an estimate, but it’s a great place to start.
NEED MORE INFORMATION? Call us now on 09 928 6800 or email info@lendingroom.co.nz.
NEED MORE INFORMATION?
Call us now on 09 928 6800
or email info@lendingroom.co.nz.