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Frontier Finance

image of Frontier Finance
image of Frontier Finance

About Frontier Finance

Frontier Finance is New Zealand’s favourite alternative credit provider with more flexibility, understanding and professionalism than any of our competitors.

We offer more than just quick loans online – we offer an alternative solution to your financial needs with a difference. If you’re ready to take on debt with a consolidation loan – you’ve come to the right place!

Why frontier is just that much better

Although we require security for the majority of our loans we allow people with good credit to apply for unsecured debt consolidation loans of up to $5,000- something that is non-existent among banks and other lenders like ourselves who operate primarily online.

What Frontier Finance can offer you

Frontier Finance provides a wide range of credit solutions from personal loans at fantastic rates, to car loans, property loans and debt consolidation loans – whatever you current credit needs we will likely have a solution for you whether it’s a secured or unsecured loan that you’re looking for.

Our debt consolidation loans are better

Frontier Finance offers secured and unsecured consolidation loans from $1,000 to $1 million. We will combine all your debts into one – more affordable loan with lower interest so that you can better manage your finances while having a little extra cash every week to do the things you love.

Interest Rate

From 0 %

To 0 % Per annum

Loan Amount



Repayment Term

0 months

0 years

In a Nutshell

  •  Average processing time 24 to 72 hours
  •  Online application
  •  In-store application
  •  Unsecured loan option
  •  Secured loan option
  •  Bad credit consideration
  •  Early repayment

You can regain financial control & improve your budgeting skills with effective debt consolidation

A debt consolidation loan with Frontier Finance will allow you to free up some of your weekly wages, make it easier to manage your debt and help you save on interest.

Ideally, only unsecured debts such as credit cards and personal loans should be consolidated to ensure you don’t end up paying more than you should.

Applying online in just minutes

With Frontier Finance you can apply for a loan online in just a few minutes and the process can be completed by email or fax. We’ve worked hard to ensure our online application is seamless and quick and our customers are always pleased with the speed at which they can complete our application and at our fantastic processing times.

Why do you need my personal details?

We need to verify that the information you have provided on your debt consolidation loan application corresponds with the details you have given us. This is why we might need a recent salary invoice. This will also give us an indication of how much money you make and whether you will be able to pay the loan you are applying for. It is important to remember that the amount you are usually asking for will be determined by the amount you make on a frequent basis from your salary invoice and the status of your credit score.

Can I apply for a bigger amount?

Seeing that there is no telling when you might need a loan again, there is no need to apply for a bigger loan amount that you don’t actually need. It is best to stick to the amount you had initially agreed on. In fact, it will make it easier and better to pay off if you do this. We always advise our customers to try their level best to borrow money as steadily as possible, don’t make a habit of always asking for a debt consolidation loan. This will not give you any brownie points.

Eligibility & Requirements

  •  Stable address history
  •  18 years or older
  •  NZ resident
  •  Employed full-time
  •  Self-employed
  •  Credit check
  •  Can you provide security
  •  Recent pay slips
  •  Bank statements
  •  Proof of address

Other Products & Services

  • Personal loans
  • Vehicle loans
  • Freedom loans
  • Debt consolidation
  • Property loans

Customer Reviews & Testimonials

November 2018

Frontier Finance was able to assist me with getting a debt consolidation loan. They also went above and beyond to ensure that I was given the necessary tips I needed to manage my finances better....

James K
— Beachlands —

March 2019

Getting a debt consolidation loan with Frontier Finance was one of the best decisions I made. I was able to settle all my credit plans and still had money to save on a monthly basis. The agents a...

Kurt R
— Beaumont —

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