We offer debt consolidation loans NZ wide, providing the type of debt consolidation loan NZ families need. Pioneer Finance will help you get your finances under control and combine all of your debts into a single easy to manage personal loan.

We can help you by setting a loan term that works within your budget, this can reduce the amount you spend on debt repayments each month. Making it easier to manage your monthly budgets and get your finances back on track.

Remove the inconvenience of having to pay multiple finance companies – we can assist you with the paperwork to consolidate your existing debts, so you have just one loan with a single repayment each month.

With loans from $1,000 to $100,000, Pioneer Finance is a trusted New Zealand finance company committed to getting you the right debt-consolidation loan deal for your needs.

Debt Consolidation Loan FAQ's

Yes. Your credit history may not be as bad as you think. Let us do the background work and we’ll take it from there. You do need to show us that you can afford to pay the loan, and you will need security, and may need a guarantor.

All Pioneer Finance loans are secured. However, our sister company, Whiterock Finance, may be able to assist you in sourcing an unsecured loan, a business loan, a mortgage, a loan over $100,000, or any other type of finance not directly provided by Pioneer Finance. For more information on this, just give us a call.

We strive to have the loan approved, disclosed and paid out within the same business day. This is subject to the complexity and size of the loan. Once the application has been looked at, we usually give you an answer straight away. An approval may be subject to receiving supporting documentation from you.

Our rates and fees

Rather than having set fees & interest rates we prefer to work with ranges as not every application is the same. So if it is a short term Bridging loan, Debt consolidation, Personal Loan, Home renovations, Car Loan, Holiday, Funeral or Business loan we have the loan for you.

Establishment Fee Range

$270.00 – $780.00

Interest Rate Range

11.95% - 27.95%

Loan limits

$1000 - $100,000

Loan terms

1 Month - 7 Years