Struggling to keep up? You’re not alone - and you’re not powerless.

Right now, Aotearoa is in a cost-of-living crisis. We’re living at 169% of our household income and nearly half a million Kiwis are behind on at least one loan repayment.

Behind those numbers are real people - people like you, doing their best to stay afloat.

At Money Sweetspot, we see it every day. Job losses. Reduced hours. Sickness without sick leave. Relationship breakdowns. These aren’t just budget lines - they’re life events that hit hard, fast, and without warning.

But here’s the truth: ignoring your debt won’t make it go away. It only adds stress and puts you at greater financial risk.

We’ve seen it first hand: customers who’ve fallen behind, picked up the phone, and found their way back. Not because it was easy - but because they didn’t give up. That moment of courage made all the difference.

You don’t have to hit rock bottom to ask for help. You just have to take the first step.

This Is why we’re different:

• We’re not like other lenders.
• We don’t just want you to pay.
• We want you to get out of debt for good - and we’re building the best place in the world to do that.

Here’s what that looks like:

• No predatory interest or hidden fees.
• Free financial education that earns you Points.
• Points you can use to reduce your loan or grow your savings.

Stay Close to Your Why

When things get tough (and they will), staying close to your why makes it easier to keep going.

That's why we've developed a suite of handy tools for our customers to stay focused and keep moving. When Money Sweetspot customers log into their customer portal they can:

• Set and track financial goals.
• Choose and revisit motivations for your reset.
• Earn Sweetspot Points for engaging with content and learning smart money habits to help them get out of debt and stay out!

What’s the Next Step?

We know it’s hard. But we believe in your ability to do the mahi, you’re not alone and you’re not out of options.

If you are motivated to get out of debt and are ready to do the work, reach out to our friendly team or apply online for your Financial Reset.