Personal Loans

Debt Consolidation Calculator

Find out how much you could save by consolidating your debt with a Thorn Finance loan today.

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Debts to Consolidate

Amount to consolidate



Time to repay

6 Months

60 Months

Repayment frequency:

Secured with Vehicle or Unsecured?

Interest Rate

Consolidated Debt of $2500

New repayment amount


paid off in

12 months

Save $1,426 in interest payments

*Repayment amounts, saving and interest rates shown above are indicative only and may vary upon application based on credit lending criteria.

Thorn Finance's normal lending criteria and loan terms apply. Repayments shown are indicative only and include a $75 application fee. Full disclosure of all the terms of your loan will be provided prior to the finalization of your loan.

Competitive rates

Our competitive 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 10.93% to 30.87%.

Below is a representative example of a Thorn Finance personal loan:

Terms and Conditions: Responsible lending criteria, mandatory fees, interest, terms and conditions apply. Interest rate 9.95% p.a. - 29.95% p.a. variable, depending on your circumstances. Rate may change. Mandatory fees: Administration fee of $3.25 a month (other payment frequencies available), establishment fee of $75 to be paid up front or capitalised over the contract term. Minimum term 12 months. Maximum term 60 months. Security may be required. Satisfactory evidence of vehicle insurance may be required. Click here to see full terms and conditions. If you have any questions please contact Thorn Finance on 0800 342 500 or [email protected]. Thorn Group Financial Services Ltd, 8 Business Parade South, Highbrook, Manukau 2161