Earn Sweetspot Points

BNZ and Money Sweetspot
Helping people find a way out of spiralling debt.

The Bank of New Zealand has been one of our foundation funding partners. When Money Sweetspot had a dream of creating a different way for kiwis to get support to regain control over their financial lives, BNZ backed us with a $10 million fund in support of our mission.

The partnership between BNZ and Money Sweetspot means we have funds to lend and can help people get on top of unmanageable debt rather than be defined by it.

BNZ’s support is part of it’s sustainability strategy, Te Pae Tawhiti, which includes an ambition to grow the long-term social, cultural and financial wellbeing of all New Zealanders. And we’re chuffed they trust us to help real people get out of debt and on with life!
Ready to make a plan?

This is how we’re different

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 and 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 ⟶

Frequently asked questions

Can I apply for a top up for my financial reset loan?
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What is a Financial Reset (Debt consolidation) loan?
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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?
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Can you refinance WINZ or IRD debt?
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How many debts can I consolidate?
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Can I get extra money on top of my financial reset debt consolidation amount?
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Can I have more than one Money Sweetspot loan?
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Can I repay my debt consolidation loan off early?
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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?
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How much will my repayments be?
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What credit reporting agency does Money Sweetspot use?
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How do I check my credit score?
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Do I have to provide security for my loan?
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Where can I go for help with my budget?
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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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