Sugar Concierge Reviews
These are real Sugar Concierge customers in New Zealand. Unscripted, unedited, and unpaid. If you're wondering whether Sugar Concierge is legit, safe, or worth it — read what our customers say in their own words. All amounts shown are in New Zealand dollars.
"Eva had NZ$6 in savings"
Income: NZ$82,000/year | Savings: NZ$6
Living pay-cheque to pay-cheque. Then her roof started leaking and her cat needed surgery. She had no money for either.
What Sugar did: Our concierge team went through Eva's entire financial life. Cut her bills across multiple categories, consolidated her debt into a better structure, cancelled wasteful subscriptions and services she didn't need.
Eva fixed her roof. Got her cat the surgery. Went on her first holiday. Started saving. Started investing. All loans paid off.
Here's the message she sent us. Read the whole thing:
That's Eva. On holiday. The one she couldn't afford 3 months ago. She went from NZ$6 in savings to booking trips, paying for surgery, and investing because someone finally sat down and sorted her money out.
"Reset your financial life like Alfred"
That's Alfred. Builder. He came to us because he couldn't see his kids and couldn't pay his debts at the same time.
Industry: Construction | Reduced hours, needed to travel to see his children
3 debts at 29.95% interest, paying NZ$165/week and still falling behind. A debt collector was already chasing him.
What Sugar did:
- Negotiated hardship arrangements with all lenders at NZ$12/week each
- Stopped a debt collector and got payments down to NZ$10/week
- Facilitated a 0% interest charity loan to cover immediate needs
A few weeks later, Alfred's mother was hospitalised. Because his finances were sorted, he could support her without defaulting on a single obligation.
Alfred recorded a video testimonial from his building site. This is unscripted:
"Do I pay my debt or do I pay my dog's medical bills?"
That was the actual question Juan came to us with.
3 debts: NZ$3,200 + NZ$16,100 + NZ$20,000 credit card
Interest rates: 18–29.9% APR | Repayments: NZ$1,460/month
Nearly NZ$1,500 a month going to interest across three lenders. No light at the end of the tunnel.
What Sugar did: Consolidated all three debts into a single loan at 15.4% APR. Secured a 3-month payment holiday so he could breathe. Built an 18-month plan to move all remaining debt into his mortgage at ~4% APR.
The dog got the surgery.
That's Clipper. He's fine.
"They earn NZ$140k... so why were they stuck?"
Combined income: NZ$140,000/year | Savings: NZ$0
Near-maxed credit card. NZ$800 in Afterpay. Overpaying on 10+ insurance policies. Investments that were losing money.
What Sugar did:
- Balance transfer, 24 months interest-free
- Cleared all buy-now-pay-later debt
- Optimised insurance, electricity, and internet across 10+ policies
- Reallocated investments: negative returns → +10% growth in 3 months
- Secured a discounted mortgage rate
Troy was so impressed he started referring his own parents:
Troy also recorded a short video after working with Sugar:
"Blessing in her own words"
Blessing shared a short video about her experience with Sugar.
The Receipts
Screenshots, emails, and internal notes from real customer work.
Shirley and Peter Hoskin emailed us after we sorted their finances. One line says it all:
Maleah-lei Garland's reaction when we told her how much we'd saved her:
This is Teodora from our concierge team, posting in Slack after a win. NZ$2,224 saved. Two days. A few emails:
Another Slack post. NZ$12,369.80 saved on mortgage and debt relief for one customer. Plus over NZ$3k on insurance. In one go:
Chloe had 4 debts in collections. The collectors rejected the settlement offers. Our team kept following up. Every day. Until all 4 were accepted:
Frequently asked questions
Sugar guarantees at least £4,000 in savings over your 12-month membership, or we refund the difference. If we find less than £4,000, our fee is 10% of the savings found and we refund what you paid above that amount. Your membership covers the first £4,000; a 10% success fee applies only to savings above it.
Yes. Sugar receives read-only email access, so we can find financial documents but cannot send, delete, or change your emails. We encrypt your data, follow the UK GDPR and Data Protection Act 2018, and comply with Google's API Services User Data Policy, including its Limited Use requirements. You can disconnect at any time.
Our fee is 10% of the savings we find. If that is less than the membership amount you paid, we refund the difference. See the Pricing page for the full guarantee terms.