Simplify your debts

Combine your multiple debts into one interest rate and one repayment schedule.
Header image

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
Dashboard mockup

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 identifies the options suitable for your profile.

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
{repayment}
{disclaimer}

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.

Jun 2026
Tanya
,  
Taranaki

Craig is highly professional and attentive with a keen eye for detail. A stress-free and efficient process, I can now complete my home renovations ahead of summer.

Jun 2026
Leesha
,  
Christchurch

Referred by family and Nomu didn't let us down. Updated us every step of the way and took the stress out of the process. Fast turnaround and we'll be back.

Jun 2026
Hellen
,  
Auckland

Turned away by several lenders and running out of options - Craig took the time, explained everything clearly, and got me back on track.

Jun 2026
Tumau
,  
Dunedin

I did not have a straightforward situation, but Nomu Finance helped find a way through. Approved at the dealership so I could drive away the same day.

Jun 2026
Stacey
,  
Wellington

After being declined by others I never thought he'd get it done - but he did. Makes everything simple and goes through all the details with you.

May 2026
Adele
,  
Taranaki

Craig was calm, patient and showed real empathy throughout. What I thought would take a day took three - and he was wonderful every step of the way.

May 2026
Bryan
,  
Auckland

Very quick turnaround and explained my loan clearly. Will definitely use again.

May 2026
Oli
,  
Auckland

Couldn't have gotten my new boat without Nomu Finance. So quick and easy to apply.

Apr 2026
Elisva
,  
Auckland

Needed help before a weekend move. Super easy process and really quick turnaround.

Apr 2026
Amber
,  
Gisborne

Nomu helped consolidate my debts and explained everything clearly from the start. Having a better structure in place has made a real difference financially.

Mar 2026
Erika
,  
Stratford

Craig was extremely helpful right from the start and did his utmost to secure me a loan, even with my poor credit rating. The whole process was easy and stress-free.

Mar 2026
Nigel
,  
Auckland

Needed a fast loan for car repairs and Nomu Finance had it paid out the night before. Great support throughout and the process was simple.

Feb 2026
Britney
,  
Invercargill

Nomu Finance kept me updated throughout and made the whole process easy. Even when things changed, they were there to help sort everything out.

Why choose Nomu?

AI-powered technology that makes borrowing simpler and faster.

Dashboard mockup

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.

Still have questions?

Get help from the team.

How does debt consolidation work?
Do I need to list all debts being consolidated?
Are debts paid directly or deposited to my account?
What documents do I need?
What happens after I apply?

Ready to simplify your debts?

Apply now to see loan options from our lender panel.