Simplify your debts
Managing multiple debts can be confusing. Combine your multiple debts into one interest rate and one repayment schedule.
Built for New Zealanders
Nomu removes the uncertainty from borrowing. One application. Fast decisions. Clear answers.
Consolidating your debt
Debt consolidation allows you to combine multiple debts into one loan with one regular repayment.
Credit car balances
Store cards and retail debt
Personal loans from other lenders
Hire purchase and short-term lending
How it works
Three simple steps to consolidating your debt.
1
Apply online
Tell us about your current debts and financial situation. It takes just a few minutes to get started.
2
We find you options
Our platform analyses your situation and finds the options that fit.
3
Choose & proceed
Choose your loan options. The funds will be used to pay off your existing debts with one easy to manager loan.
Calculate your loan repayments
Get an estimate of what your loan could cost.
Loan amount
Loan term
Interest rate
Estimated repayment
$
/month
Estimate includes an indicative establishment fee of $215.00
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Debt consolidation rates and terms
What you need to know about borrowing.
Loan amounts
$3k - $100k
AI matching
Fast decisions
Interest rates
from 8.45% p.a.
Fast funding
Same day*
Loan terms
1 to 7 years
*Same day funding for applications before 12pm with documentation. Fees from $215 apply.
What our customers say
See how we've helped people in situations like yours.
Why choose Nomu?
AI-powered technology that makes borrowing simpler and faster.
AI-powered matching
Our platform analyses your application and identifies the finance options best suited to your situation - faster than traditional processes allow
Built for New Zealand
We're a New Zealand company. We work with NZ lenders, and we serve NZ borrowers. Local ownership, local support, local focus.
Transparency & trust
No hidden fees or confusing jargon. We are upfront about how we work and how we're paid. No uncertainty, just clarity at every step.
Finance for every situation
Choose the loan that matches your needs
Still have questions?
Get help with your loan application.
How does debt consolidation work?
How much can I borrow to consolidate debt?
Do I need to tell you what debts I'm consolidating?
How long does it take to get a loan?
What documents do I need?
Ready to simplify your debts?
Apply now to see loan options from our lender panel.