Bundle all your debts into one monthly repayment with a Unity debt consolidation loan. 100% online application.
Bundle all your debts into one monthly repayment with a Unity debt consolidation loan. 100% online application.
At Unity, we know how stressful juggling multiple debts can be. That's why we offer Debt Consolidation Loans - designed to merge various debts into a single, easy-to-manage payment. To ensure the best possible lending experience with us, we have a couple of important requirements. Click here to find out more.
secured loans from
9.90% p.a.*
Max $20k for new members and $40k for existing Unity members. Affordability and credit score criteria apply.
unsecured loans from
12.90% p.a.*
Max $20k for existing Unity members only. Affordability and credit score criteria apply.
Interest rate
9.90% p.a
Amount I want to borrow
Weekly repayments
How much could you save by consolidating your debt with our low interest rate?
Enter your current interest rate % p.a
you could save †
†Over the full term of the loan you could save this amount on interest.
This example is calculated using a secured loan rate of 9.90% p.a. over a [repayment-years] year term. Total cost of borrowing over loan term would be [total-repayments] (indicative only). This example is not an offer from Unity. How much you can borrow and repayments depend on your personal circumstances. Secured floating interest rates from 9.90% - 18.90%. T&Cs apply. $200 approval fee + other fees apply. View a full list of rates and fees.
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.
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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: Personal borrowing $20,000
+
Approval fee $200
+
Third-party charges $29.44
=
Total borrowed $20,229.44
Set up over a term of 7 years (366 weeks) at 9.90% p.a. interest = weekly repayments of $77.26 This example is calculated using a floating [secured] rate of 9.90% p.a. over a 7 year term. Total cost of borrowing over loan term would be $28,122.22 (indicative only). This example is not an offer from Unity. How much you can borrow and repayments depend on your personal circumstances. Secured floating interest rates from 9.90% - 18.90%. T&Cs apply. $200 approval fee + other fees apply. View a full list of rates and fees. |
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.
Secured loan |
Unsecured loan |
|
| Grade | Interest rate p.a.^ | Interest rate p.a.^ |
|---|---|---|
| Orange A | 9.90% | 12.90% |
| Orange B | 11.90% | 14.90% |
| Yellow A | 13.90% | 16.90% |
| Yellow B | 15.90% | 18.90% |
| Green A | 18.90% | 21.90% |
^Note: These interest rates are indicative only and may be subject to change without notice.
As published on interest.co.nz as at 30 August 2023.
View our interest rates and fees here. For information on our loan agreements and terms and conditions click here.
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.
Whether it’s finance for a new car, a holiday, or renovations, debt adds up fast. Have you considered debt consolidation? Click through to learn more about the benefits.
Credit cards? Hire purchases? Secured or unsecured personal loans? Click through to find out what debts you can - and can't - consolidate with a debt consolidation loan.
Will debt consolidation negatively affect your credit score? Or is this nothing more than a financial myth? Read on to find out how it might actually improve your credit.