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Bring your repayments into one place

Debt consolidation can help simplify your finances, reduce the mental load, and give you a clearer view of what’s ahead.

  • Bring multiple repayments into one place
  • Explore a structure that may better suit your budget
  • Work directly with your local MTF Finance expert
Trustpilot

Start with clarity

Explore what debt consolidation could look like, estimate repayments, and see whether a simpler structure could better suit your budget - with no impact on your credit score.

I want to borrow

$15,000

$2,000

$50,000

For a term of

5 years

6 months

5 years

I'll repay

Estimated repayments

$0

/ fortnightly

Estimated interest rate from: 0.00%

My credit history is

Total to repay: undefined

Rates & fees

Real people. Real lending expertise.

Meet some of the local MTF Finance experts helping Kiwis understand their options and move forward with confidence.

Ashley & Simon
Customer Story
Simon Jackson
Owner, MTF Finance Papanui
Yea Boi Souvlaki
Customer Story

How it works

Knowing what to expect makes things easier. Whether you apply online or talk to your local office, here’s what happens next.

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Start your application

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Getting started is simple. We’ll ask for some basic details about you and what you’re looking to finance. You’ll need to provide ID and some documents to help us understand your situation.

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Form being signed

We’ll review your options

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Your local lending expert will look at your situation, answer your questions, and help you explore finance options that may suit your plans and budget.

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Move forward with confidence

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If everything stacks up, we’ll guide you through the next steps so you know what to expect and pay the approved funds into your account.

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Let's get you moving

Whether you’re ready to apply or just want to talk through your options, your local MTF Finance team is here to help.

FAQ Mobile

What people often ask us

Debt consolidation combines eligible debts into one loan, so instead of juggling multiple repayments, due dates and lenders, you have one manageable repayment to keep track of. For many people, it’s a practical way to simplify their finances and create a clearer path forward.

This depends on your situation, but debt consolidation may help combine things like credit cards, personal loans, vehicle finance and other eligible debts into one repayment. Your local MTF Finance expert can talk through what may be possible based on your circumstances.

Debt consolidation can be a good option if you’re managing multiple repayments and want to simplify things, create more clarity, or explore a structure that better suits your budget. It’s not just for people in financial difficulty - sometimes it’s simply about getting better organised and taking control.

It can, depending on your situation and how your lending is structured. For some people, debt consolidation can reduce the amount they repay each period by combining debts into one more manageable repayment. For others, the main benefit is simplifying multiple repayments into one place and creating more clarity around their finances. Your local MTF Finance expert can help you explore what may work for your circumstances.

Using the calculator or exploring your options online won’t affect your credit score. If you decide to proceed with an application, responsible lending checks will be part of the process, and we’ll be clear with you about what that involves.

Yes. One of the things that makes MTF Finance different is that you can work directly with a local lending expert who takes the time to understand your situation and help you explore what may work. With 50+ local offices across New Zealand, help is never far away.

This will depend on your situation, but in most cases we’ll need identification, proof of income (such as payslips), and recent bank statements. If your situation is a little more complex, we may need some additional information, and we’ll guide you through what’s needed.

Yes. Many of our customers are self-employed or business owners. We’ll look at your circumstances, income and what you’re hoping to achieve to help assess what options may be available.

Timeframes can vary depending on your situation and the information required, but our goal is to keep things moving and communicate clearly throughout the process.