switch your debts to us and pay 0%* p.a.+

for the first 6 months

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If you’ve got debts of over $5,000 with other lenders, like personal loans, store cards, credit cards, or car loans, we might be able to help you simplify things. And save money.

By bundling them all up into a debt consolidation loan at 0%p.a. interest for the first 6 months. With no establishment fee! 

Here’s how it works:

  • Transfer existing loans  from other lenders of $5,000 or more, up to $25,000
  • No establishment fee
  • Pay 0% p.a. for the first six months
  • Your repayments will be spread evenly across the full term of the agreement. You’ll only pay principal payments for the first 6 months then principal and interest for the remaining term. So, you’ll save you a bundle in interest!

With 0% p.a. interest for 6 months, and no establishment fee on debt consolidation loans over $5,000. We reckon you’ll feel right at home with dtr.

easi-cash debt consolidation: Offer valid for debt consolidation loans between $5,000 and $25,000. Offer only valid for qualifying customers. Responsible lending criteria, terms and conditions apply. *Interest rate 0% p.a. fixed for the first 6 months. At the end of that period, the applicable interest rate for the remaining term of your loan will be 9.95% p.a. – 29.95% p.a. variable determined by credit risk. Repayments are spread evenly across the full term of the agreement, the first 6 months payments are principal only, then principal and interest for the remaining term. Mandatory Fees: administration fee of $8.25 a month. Other non-mandatory fees and charges may also apply. Minimum term 12 months. Maximum term 60 months. Security and contents/vehicle insurance may also be required. Thorn Group Financial Services (trading as Thorn Finance).

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Here's what you'll need

  • Valid NZ drivers licence or passport
  • Online internet banking access
  • Valid email address
  • Valid mobile phone number

Competitive Rates

Pay 0% pa for the first six months. At the end of that period our competitive interest rates range from 9.95% to 29.95% pa variable, depending on your financial circumstances. Our APR (which includes interest rates and mandatory fees) ranges from 11.34% - 25.84%**

Below is a representative example of an easi-cash debt consolidation loan:

Let’s say you apply for a $5,000 debt consolidation loan

There’s no establishment fee

So the total loan amount comes to $5,000

Pay 0% pa for the first six months. The remainder of the loan is financed at an interest rate base on your financial circumstances, and paid back over an affordable term. In this case 19.95% pa variable, over 60 months