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Out of Debt. On with Life.
Debt Consolidation For Real People.

Life can be unpredictable sometimes. When life happens and debt follows, we’re here to lend a hand. Money Sweetspot works alongside everyday Kiwis to put them back in charge of their finances. 

We could bundle $2,500 to $40,000 of your debts into one financial reset loan, at an interest rate that may be lower than you're currently paying. Once you're all paid off, you'll be on your way to whatever’s next in life — and that's great by us!
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Debt detox

We bundle up messy debts into one loan. That means one regular payment, interest rates that may be lower than you're currently paying, no account fees and no late fees if you miss a payment by a few days. All so you can get back on track quick-smart!

Real People

Ready to make a plan and get on with life? We want to hear your story, not just numbers,  so we can help you make a plan for a financial reset. Transparent process, supportive service and quick application response is how we care for our customers.

Learn & Earn

We've got tons of articles, tips and features to help you learn more about money, savings, and even investing. The best bit is, reading them earns Sweetspot Points you can redeem as additional amounts off your loan or into your savings account.
Spot the difference ⟶

"The finance company that counts losing customers a success"

Read why we're doing this on

Supported by

The Tindall FoundationChristian SavingsAnglican Care WaiapuThe Good RegistryBNZ

We're here for all Kiwis who are sick of juggling their debts, and committed to their financial reset

Who we're for >
2Degrees Auckland Business Awards, Finalist Excellence in Innovation 2023Sustainable Business Awards, Social Impactor Award Finalist 20232Degrees Auckland Business Awards, Finalist Excellence in Innovation 2023Nudge Financial Wellbeing Impact Awards 2023

How it works

1 - Take stock of all your debts and income

Make a list of all your debts, who they are with and what your repayments are. Contact the
places you have loans with and ask for your current balance and any early repayment fees
that could apply. It would be great to know the interest rate you’re paying too.

Get help with this

2 - Apply online

We need to make sure that the loan you’ve applied for is affordable for you. Get your
information together around your income and expenses as you’ll need this for your online

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3 - We make a decision on your loan

Whatever our decision, we’ll explain how we got there and additional support that could help you. If you’re approved you then get settlements from the lenders we’re paying off and we’ll send you a loan contract and direct debit for to sign.

How we decide

4 - You receive your financial reset!

We welcome you into our whānau and celebrate by sending you a $20 The Good Registry voucher to spend as you wish! You’ll have your own Customer Portal where you keep track of your debt-free date and be able to earn and spend sweet rewards! Between our interest rates, the financial skills you’ll pick up and the points you could earn, you'll pay off your loan in no time!

See rewards

Frequently asked questions

Can I apply for a top up for my financial reset loan?
FAQ question open
What is a Financial Reset (Debt consolidation) loan?
FAQ question open
What do I need to have at hand when applying for a loan?
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Can I include mortgage arrears in my application?
FAQ question open
Can you refinance WINZ or IRD debt?
FAQ question open
How many debts can I consolidate?
FAQ question open
Can I get extra money on top of my financial reset debt consolidation amount?
FAQ question open
Can I have more than one Money Sweetspot loan?
FAQ question open
Can I repay my debt consolidation loan off early?
FAQ question open
Can I pay extra off my loan?
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What happens once my loan is approved?
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How is my interest rate determined?
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How much can I borrow?
FAQ question open
How much will my repayments be?
FAQ question open
What credit reporting agency does Money Sweetspot use?
FAQ question open
How do I check my credit score?
FAQ question open
Do I have to provide security for my loan?
FAQ question open
Where can I go for help with my budget?
FAQ question open

Got questions?

Reach out, we're always around to answer any questions.

Contact us

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Money Sweetspot provides financial reset debt consolidation loans to help you take charge of your financial life, reduce debts and get on with living.

You are protected by responsible lending laws. Because of these protections, the recommendations given to you about our loan products are not regulated financial advice. This means that duties and requirements imposed on people who give financial advice do not apply to these recommendations. This includes a duty to comply with a code of conduct and a requirement to be licensed. Responsible lending criteria, rates, fees and contract terms apply. For more information visit useful information.

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