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#Unity credit union debt consolidation download#
#Unity credit union debt consolidation free#

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#Unity credit union debt consolidation download#

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This would save him the stress of having to remember - and plan ahead for - various due dates, give him extra time to pay it off, as well as save him money with a much lower interest rate.Pop into your nearest branch and have a chat with the friendly team. By consolidating his debts, James could quickly and easily roll all of these individual loans into one. Running the math on James’ debts, he currently pays - on average - 16% interest each and every year. How did consolidating debt help James with his finances?

A $1,000 loan for a holiday the family enjoyed last summer, charged at an annual interest rate of 13%.

A car loan of $6,500, charged at an annual interest rate of 18%.

A credit card, currently maxed out at $7,500, charged at an annual interest rate of 17%.

These include a credit card, as well as a few personal loans spread across a number of different creditors, each one with a different interest rate and payment date. Yet like most New Zealanders, he’s currently paying back a number of loans he’s accumulated over the years. He’s married, with two kids, and earns what many would consider to be a decent income. He’s a 33 year old store owner from Hastings, NZ. In the following example, we’re looking at just how much a debt consolidation loan can help the average New Zealander just like you pay down their debts and live a stress-free financial life. That’s all well and good, but how does it work for you or your family out there in the real world? That’s a good question. So now you know just what debt consolidation is, as well as how it works. An example of debt consolidation in action

#Unity credit union debt consolidation free#

With just one loan to repay, and just a single monthly repayment to manage, you’re now free to get back to living your best financial life. You’re now ready to leave the burden of your debts behind and reap the benefits of debt consolidation and the many ways in which it can make your life easier. Apply for a debt consolidation loan and, once approved, pay out all of your currently outstanding debts.While it can be difficult to face the facts, knowledge is power, so empower your financial self by working out just how much you owe. Calculate how much money you currently owe on all of your debts combined.Such as NZ credit cards, vehicle financing or personal loans. Gather together all of the documents, paperwork and relevant information you have on your current debts and loans.In fact, it’s a process that you can complete in just 3 easy steps: Thankfully, consolidating your debts makes it easy to rid yourself of this financial burden. It's enough to drive the average Kiwi crazy. All due on different dates, with payments being sent to different accounts.

You have multiple loans, debts, and credit cards. No more juggling paperwork for multiple debts or sending payments to numerous creditors. It also makes it easier to manage your finances as you only have the single monthly repayment. Debt consolidation is the act of combining all of your existing debts into one easy to manage loan.ĭoing so saves you money as you'll be paying a much lower interest rate than you are now.