Debt Consolidation from 9.95% p.a.
Apply in 5 Minutes.
Get pre-approved today with no impact on your credit score. No obligations, no hidden fees. 100% online, 100% NZ owned.
5/5 on Trustpilot 
Sound familiar?
Juggling multiple repayments across different lenders every month?
Paying too much interest across credit cards, store finance, and existing loans?
Feeling overwhelmed by debt and not sure where to start?
Been told debt consolidation isn't an option for you?
There's a better way.
Lendy was built for Kiwis who want a fast, fair, and straightforward debt consolidation experience. One simple repayment replaces multiple debts — so you can stop juggling and start breathing again.
See If You QualifyWhy Kiwis Choose Lendy for Debt Consolidation
We make debt consolidation simple, transparent, and actually achievable.
Fast Pre-Approval
Apply in under 5 minutes and get a decision fast. No more waiting around for weeks. We respect your time.
No Hidden Fees
What you see is what you get. Transparent rates from 9.95% p.a. with no surprises or sneaky charges.
Small Agile Team
Our small, dedicated team means you're not just another number. You'll get a real person who actually cares about your situation.
NZ Owned & Operated
We're 100% Kiwi. Your application is reviewed right here in New Zealand, not shipped off overseas.
One Simple Payment
Replace multiple repayments with one easy payment. Credit cards, store finance, existing loans — we can roll them all into one.
Green Commitment
Every loan funds tree planting through Trees That Count. Borrow knowing you're also helping the environment.
Calculate Your Repayments
Use our calculator to get an estimate of your weekly, fortnightly, or monthly repayments. No commitment required. Just a quick way to see what you can afford.
Apply NowConsolidate Your Debt in 4 Easy Steps
From application to freedom. We've made it ridiculously simple.
Apply Online
Fill out our quick 5-minute online application. No paperwork, no appointments. Just a few simple questions about you and your debts.
Quick Chat
One of our friendly team members will give you a call to walk you through your options. We'll find the best rate and repayment plan for your budget.
Sign the Dotted Line
Happy with your offer? Sign digitally from anywhere. No need to visit a branch or print anything.
Debts Paid Off
We'll pay off your existing debts directly and you'll have just one simple repayment to Lendy. It's that simple.
No obligation. No impact on your credit score.
Get Pre-Approved Today
It takes less than 2 minutes. No impact on your credit score, no obligation, and you'll hear back the same business day.
What Our Customers Say
Rated 5/5 on Trustpilot from real New Zealand customers.
"Great team all around, communication was on point and made sure to always point me in the right direction. Definitely recommend."
"Very helpful and patient, explained everything in an understanding and easy way."
"Really easy to deal with and pretty much on to it with sorting out my loan. Everything was sorted within two days of my phone call."
"Very quick and effective. Best interest rates. Will highly recommend."
"Last business day of the month, very busy time, Lendy stood up for us during a difficult time and got us some much needed transport! 10 STAR RATING!"
"The team were very professional and efficient and excellent to work with."
"Real honest and helpful."
"Very easy to deal with, explained it well. Very happy. Would definitely recommend."
"Awesome communication, prompt and helpful to deal with every step of the way. Highly recommend."
"3rd time going through Sukh @ Lendy. Bros is legit good at his job. We were pre-approved for our loan within maybe 30 mins. Super fast! Super easy!"
"Great team with the greatest communication. I will definitely be recommending everyone that is looking for finance to give this team a call."
"Great communication, fast process and really helpful with processing my application. 10/10 from me."
"Huge thanks to Sukh for making the whole finance process quick and hassle-free! We applied for loan first which was approved fast and we picked up the vehicle the very next day."
"Excellent and fast job done. Really friendly staff. Every step with a great smile."
"Was made so easy and fast. Will let everyone know where to go. 5 stars!"
"The people you deal with through Lendy are absolutely incredible! Everything gets done insanely fast. 5 stars ain't enough for the service!"
"Their team was very friendly and knowledgable, I felt they really cared and were looking after me. Strongly recommend them."
"Quick and easy process. Would definitely go through them again."
"Great service, demonstrated utmost professionalism and efficiency throughout the entire process. The team was responsive and helpful."
Things to Know
Got questions about debt consolidation? We've got answers.
How long does it take to get approved?
Most applications receive a response within the same business day. Our streamlined process means your debts could be consolidated faster than you think.
What if I have bad credit?
We assess every application individually. While credit history is a factor, it's not the only thing we look at. We consider your current financial situation, income stability, and ability to make repayments. Get in touch. You might be surprised.
How much can I consolidate?
Debt consolidation loan amounts typically range from $1,000 to $50,000 depending on your circumstances and your ability to repay. Use our calculator above to estimate your repayments.
What debts can be included?
Most unsecured debts can be consolidated including credit cards, store finance, personal loans, hire purchases, and other short-term lending. We'll assess your situation and let you know exactly what we can roll into one payment.
Are there any hidden fees?
No. We believe in complete transparency. All fees are disclosed upfront before you sign anything. Our rates start from 9.95% p.a. and you can view our full fee schedule on our website.
Will debt consolidation actually save me money?
In many cases, yes. By combining multiple high-interest debts into a single loan with a lower rate, you could reduce your total interest costs and lower your monthly repayments. We'll show you the numbers before you commit.
Will it affect my credit score?
Getting pre-approved with Lendy won't impact your credit score. Once a consolidation loan is in place, making regular on-time repayments can actually help improve your credit score over time.
What documents do I need?
Typically, you'll need proof of identity (NZ driver's licence or passport), proof of income (recent payslips or bank statements), and details about your current debts and financial commitments.
Ready to Simplify Your Finances?
Apply online in 5 minutes. No obligation, no credit score impact.
Same-day approvals available. Free to apply.