William SmithI’ll never forget the day I tried to consolidate my debt. Fresh out of college, I stumbled upon an online service that promised to magically make all my payments disappear.
After signing up and providing all my account details, I waited for the debt to clear. But it turned out the service I signed up for was a complete scam, charging exorbitant fees and doing nothing to consolidate my loans.
By the time I realised what was happening, my credit score had plummeted, and the calls from angry creditors never stopped. Needless to say, I learned my lesson and have since wiped my hands clean of debt.
To help others struggling with similar issues, our team researched the top debt consolidation services in Auckland.
Focusing only on those who genuinely help people get their finances back on track, we compiled a list of reliable options that prioritise transparency and customer support.
How much does it cost to use debt consolidation services in Auckland?
It costs at least 1% of the total debt to use debt consolidation services in Auckland.
This is just an estimate; the fee range can vary depending on the amount of debt and other factors.
How We Chose
1. Harmoney
Address: Level 3/110 Customs Street West
Contact details: +64 800427666
Operating hours: Open 24 hours
Harmoney has debt consolidation loans that let you combine multiple debts into a single, more manageable payment.
Many customers reported securing a loan in as little as 24 hours, with a 100% online application process.
What people seemed to like most about Harmoney, though, is the personalised interest rates. They use your financial profile to determine your rate, which could end up being lower than what you’re currently paying on your debts.
Plus, the rates of the loan are fixed for life, so you won’t have to worry about them changing.
The loans come with 3, 5, or 7-year terms. This gives you flexibility to choose what works best for your situation.
While a few people mentioned that the establishment fee of $150 was somewhat high, the option to make weekly, fortnightly, or monthly payments is a significant advantage.
Super easy to deal with and very helpful
“Absolutely fantastic dealing with Harmony Finance! They were super easy to deal with and very helpful with any questions we had. Absolutely professional and friendly and the easiest loan we have ever acquired. Thank you for your wonderful service! Highly recommend them for brilliant service.”
–Mandy Ballantine, Google Reviews
The staff are always very helpful
“Harmoney have always been the best to deal with! They have helped me out so many times over the years! Fast! Efficient and the staff are always very helpful. Thank you”
–Gloria Ranga, Google Reviews
2. Global Finance
Address: Kudos Business Centre, 19/203 Kirkbride Road, Māngere
Contact details: +64 9 255 5500
Operating hours:
- Monday to Friday – 9 AM to 6 PM
- Saturday – 12 PM to 5 PM
If you’re looking to get rid of mostly mortgage debts, Global Finances is a good company to look into.
They take the time to assess exactly how much debt you could consolidate, focusing on which would be most beneficial to roll into a single loan.
Many clients appreciate that they help structure your home loan to pay it off as quickly as possible.
As some clients put it, being able to pay everything at the home loan rate gave them a lot more wiggle room in their budget to tackle other financial goals.
The only real downside we heard was that some clients would have liked a bit more guidance in the paperwork process.
Global Finance is very reliable, trustworthy
“Gaurang has been very effective and efficient with his job. Global Finance is very reliable, trustworthy and they are extremely proficient at what they do. Their communication is clear and easily understood. Gaurang has been helpful in refixing our home loan. It was stress free and he is very capable. I recommend anyone to get the best advice from Global Finance. They are outstanding.”
–Rishi Maharaj, Google Reviews
Gave us the best option
“Arya and the team have been amazing. Arya kept everything straight forward, advised us along the whole journey, worked to meet deadlines and gave us the best option regarding our mortgage. Highly recommend Arya and the team. Many thanks”
–Shuba Gauznabi, Google Reviews
3. ScotPac Business Finance
Address: Level 6/32-34 Mahuhu Crescent
Contact details: +64 800 726 872
Operating hours: Monday to Sunday – 8 AM to 5 PM
Scotpac specialises in providing debt consolidation solutions for small and medium-sized businesses.
Their lending specialists work closely with you to find a customised solution for consolidating and paying off your debts, including ATO arrears.
Clients we’ve spoken to reported that consolidating their debt through Scotpac helped improve their cash flow. They were able to access the working capital they needed to keep their business running smoothly.
This process significantly reduced the stress and hassle of dealing with multiple creditors.
That said, a few mentioned that it wasn’t always the easiest to get in touch with Scotpac. This is something to consider if you want prompt responses.
I have found Scottish Pacific to be a valuable tool
“I have found scottish pacific to be a valuable tool for our company.
With cash flow being so important they allow us to grow with customer demand and meet our delivery expectations.”
–Scott Hemmerling, Google Reviews
Great staff, easy to work with
“Great staff, easy to work with. Online program is a bit clunky, but easy enough to use.”
–Lorinda Kearney, Google Reviews
4. Money Sweetspot
Contact details: +64 508 776 889
Operating hours:
- Monday to Thursday – 9 AM to 5 PM
- Friday – 9 AM to 4 PM
Money Sweetspot has helped a lot of people get out of the woods and onto the path of financial freedom.
They bundle up your messy debts into one simple loan with an interest rate that’s often lower than what you’re currently paying.
The best part? No more juggling a million different payments! It’s just one regular payment with no hidden fees or late charges if you’re a few days late.
And get this: they even have this program where you can earn Sweetspot Points just by reading their money-saving articles and tips.
You can then use those points to pay down your loan even faster or stash some cash in your savings account.
That said, some people did mention having a bit of trouble getting through to their support team on the phone. This can be frustrating, especially if you’re looking for immediate support.
Highly recommend for anyone struggling and in need of help
“So grateful for this company. I was stuck in a constant cycle of debt, late fees, refinancing for bills. Through Money Sweetspot I was able to have a real chance to finally get out of debt. The interest rate, incentives and support truly made the experience easy, nonjudgmental and highly rewarding, giving me a fresh start and a new outlook on money. Highly recommend for anyone struggling and in need of help ⭐️⭐️⭐️⭐️⭐️”
–Essie Morrison, Google Reviews
Money Sweet spot helped me pay both my debts
“This service has literally changed my life and given me my freedom back!!! I was getting killed by debt payments and the downright ridiculous interest rate on my credit card. Money Sweet spot helped me pay both my debts, and roll everything into one easy loan, with a MUCH lower interest rate. It was simple. It was straightforward and easy to understand, and they were so nice and helpful. I never realized how depressed and miserable my life had become until Money Sweet Spot rescued me from my debt prison. And that is exactly what it was. It was a debt prison. I now have to opportunity to pay this one simple loan off, and then I will never take on a debt again for the rest of my life and I recommend other people do the same. Consolidate. Pay it off. Then STAY OUT OF DEBT. This service is absolutely wonderful.”
–One Man Band, Google Reviews
5. MTF Finance Mt Eden
Address: 376 Dominion Road, Mount Eden
Contact details: +64 9 218 1786
Operating hours:
- Monday to Friday – 9 AM to 5 PM
- Saturday – 10 AM to 2 PM
MTF Finance is the debt consolidation service that’s been helping Kiwis get their finances back on track for over 50 years.
Several customers shared that they were drowning in multiple loans and credit card bills, but the team at MTF Finance really helped them simplify everything.
Almost everyone reported that the process was super straightforward, and they received loan approval the same day they applied.
Many had the funds in their account the next day, allowing them to focus on paying off their debt instead of juggling numerous payments
However, some mentioned that the MTF Finance team could improve by offering interest rates that better fit different budgets.
I give her 10 out of 10 for her competence and expertise
“I would like to commend the Service extended of Maria Aton of MTF Mt. Eden. From my pre approval stage until I get my car, she was there to assist me. She was friendly, patient, accommodating and will give you scholarly advice as you go through the process. Hence, she made everything easy and simple. She’s an asset to the company she works for and I give her 10 out of 10 for her competence and expertise.
I highly recommend Maria Aton of MTF Mt. Eden in terms of vehicle finance.”
–Esperedion Edles Google Reviews
Easy process, slick communication and top notch service
“Rani (Mt Eden branch) you’re amazing in what you do. Thank you for making it easy to organise my husband’s vehicle through MTF in less than an hour when his van was stolen. Easy process, slick communication and top notch service. Keep up the great work!!”
–Malia Apikotoa Google Reviews
