From 1 December 2021, our lending process will look a little different as we comply with new lending laws. This means the way we assess loans has changed, and we’ll take a few extra steps to make sure a loan is both suitable and affordable for you. You can download information on these changes here.
$2K - $60K
6 months - 7 years
7.90 - 25.90% p.a.
Debt consolidation rolls all of your outstanding credit cards, hire purchases, and other debts into a single loan. No more hassle. No more stress. Just a single, easy-to-manage repayment, often with a lower interest rate. The sooner you consolidate your debts, the sooner you could start saving money.
Looking to apply? At Unity we don’t just focus on how the numbers look on paper, we listen to you. We can take the stress out of your debt by reducing monthly repayments and helping you to pay it off quicker. With your debts sorted, you'll be free to invest, save, or just relax and live your best financial life.
When applying for a loan it's important to consider all of the costs involved. Below is an example of the total costs included over the term of a secured vehicle loan:
Set up over a term of 7 years (366 weeks) at 7.9% p.a. interest = weekly repayments of $72.05.
This example is calculated using a floating [secured] rate of 7.9% p.a. over a 7 year term. Total cost of borrowing over the term of this loan would be $26,387.13 (indicative only). This example is not an offer from Unity. The amount you can borrow, loan term, interest rate and your repayments will vary depending on your personal circumstances. Secured floating interest rates from 7.90%p.a. to 24.90% p.a. Terms and conditions and responsible lending criteria apply. Once funded a $200 approval fee and other fees will apply. Click here to view all rates and fees.
Use our lending calculator and apply online for finance today.
Our interest rates are priced using a risk matrix that takes into consideration a range of factors including an individual's credit score and affordability. Based on the assessment of an individual's financial information provided we will assign a risk grade and the corresponding interest rate could apply.
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^Note: These interest rates are indicative only and may be subject to change without notice.
As published on interest.co.nz as at 12 May 2022.
Debt consolidation sees you combining all your existing debts into a single loan. It makes managing your debts that much easier. Read on to find out how the process works.