One Simple Payment. Less Stress. More Control.
Managing multiple debts can feel overwhelming especially when you’re juggling different due dates, interest rates, and lenders. At Guardian Finance, our Debt Consolidation Loans are designed to bring it all together in one easy to manage payment. Whether it’s credit cards, personal loans, or store finance, we’ll help simplify your finances, reduce your stress, and put you back in control.
Why Choose Debt Consolidation Loan?
Single Monthly Repayment
Combine credit cards, personal loans, and other debts into one structured loan for simplicity and clarity.
Competitive Interest Rates
We work with trusted lenders across New Zealand to find a lower rate tailored to your financial profile.
Improved Cash Flow
Reduce your monthly obligations and create breathing room in your budget.
Fast, Hassle-Free Processing
Enjoy quick assessments and approvals, often within 24 hours.
Support for All Credit Types
Even with a less than perfect credit score, we’ll help explore suitable options to regain control.
Fully Online Service
From application to approval, everything is handled remotelyno appointments or office visits needed.
FAQs
What is a debt consolidation loan used for?
It’s used to combine multiple debts like credit cards, personal loans, or store finance into one single loan with one regular payment.
Will consolidating my debt save me money?
It can, especially if you’re moving from high-interest debts to a lower-rate consolidation loan. Plus, having one payment can help you avoid late fees and stay on track.
Can I apply if I’ve missed payments in the past?
Yes. We understand that things happen, and we’ll look at your full financial picture not just your credit history.
What happens if I want to pay it off early?
No problem! In most cases, you can repay your consolidation loan early without any penalty.