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Learn more about personal loans
Get a fast decision
You can get an online decision fast, once you have applied and been approved, you should have access to funds within one business day.
Enjoy the open water
A Simplify loan makes it easy for you to get out on the water. You can borrow from $5,000 to $500,000 as long as we're confident you can manage the repayments.
Find zfsafnance match
Once you've compared loans, simply select your online match and apply, we'll give you a quick decision so you’re ready to go.
Complete your application
Let our experts guide you through the car finance process, and help you with the paperwork and negotiations with the seller.
Improve your financial wellbeing
How to apply online
We work with you to create personal debt consolidation plans
1
Get to know you
Tell us a bit about yourself -how much you’d like to borrow, what it’s for, and a few details about your income and expenses. It only takes a few minutes.
2
Get to know you
Tell us a bit about yourself -how much you’d like to borrow, what it’s for, and a few details about your income and expenses. It only takes a few minutes.
3
Get to know you
Tell us a bit about yourself -how much you’d like to borrow, what it’s for, and a few details about your income and expenses. It only takes a few minutes.
Join thousands of New Zealanders who’ve taken control of their finances, funded their goals, or handled life’s curveballs with a personal loan from Simplify.
Simplify your finances. One loan. One repayment. More control.
Debt consolidation loans are designed to help people with multiple debts streamline their finances. Instead of managing several loans, credit cards, or repayments with different dates, fees and interest rates, a debt consolidation loan wraps them into one predictable loan - with one payment to manage. It’s not a one-size-fits-all solution, but for many people, it’s a smart step toward greater financial clarity and less stress.
Simplify your finances. One loan. One repayment. More control.
Debt consolidation loans are designed to help people with multiple debts streamline their finances. Instead of managing several loans, credit cards, or repayments with different dates, fees and interest rates, a debt consolidation loan wraps them into one predictable loan - with one payment to manage. It’s not a one-size-fits-all solution, but for many people, it’s a smart step toward greater financial clarity and less stress.
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