Let's see if we're what you're looking for!

We only do one thing - financial reset debt consolidation.

We can 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

By doing the mahi (work) with your financial reset you get the treats!

But, we're not for everyone.

Check out the quiz below to help you decide.

Are you?

Motivated to repay your debt and get on with your life, perhaps you have a dream or a goal you want to achieve?
Curious to be part of our journey in creating a new type of lender where your value isn’t just your bank balance?
Committed to being debt free. We want to lose you as our customer as quickly as possible!

If so, then to apply you'll need to be:

A New Zealand Citizen or Resident that has a regular source of income. We are most likely to be able to help you if you are employed, or have your own business that has been operating for over a year.
You feel like you're juggling your money. You're generally able to keep on top of your bills (but wish things were a bit easier!).
It’s OK that you have a few debts you’re juggling; you might have missed a few payments, that’s OK, we don’t need you to be perfect.

‍

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
application.

Apply now

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

Benefits Rates & Fees How to Apply Blog Spot Useful Information Community About Us Contact Us Apply Login

Auckland, New Zealand
hello@moneysweetspot.co.nz
0508 SPOTTY / 0508 776 889

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.