Bundle your debt, lighten the load.
Managing multiple debts can feel overwhelming. But with Unity, you don’t need to do it alone. We’re here to help you bring everything together into a single, affordable loan, often with a lower interest rate and fewer fees than what you’re paying now.
Why consolidate your debt?
Kiwis use debt consolidation loans for all sorts of reasons, and it’s often about more than just convenience. A Unity debt consolidation loan could be right for you if you want to:
- Combine credit cards, store cards, or personal loans into one
- Make your monthly debt repayments more manageable
- Replace multiple interest rates with just one rate
- Create a clear plan to pay off what you owe, faster
- Free up headroom in your budget so you can focus on saving
Who can apply?
To be eligible for a Unity debt consolidation loan, you’ll need to meet the following criteria:
- Be 18 years or older
- Be a New Zealand citizen or hold a Permanent Resident Visa
- Be able to provide proof of identity
- Be employed (and have a regular income)
- Have a permanent or fixed address
- Have a satisfactory credit report
What makes Unity different?
As a credit union, we're owned by our members, not shareholders. That means every decision we make is about helping people, not chasing profits.
Here’s why Kiwis choose Unity when looking to consolidate their debts.
- Borrow from $2,000 up to $40,000 unsecured (or $60,000 secured)
- Competitive rates starting from 9.90% p.a.*
- Quick, 100% online application
- Flexible repayment options to suit your budget
- Personalised service from a local, friendly lending team
